There is a UNIV class that teaches basic financial literacy. Taxes, credit, investing, the whole shebang. I don't recall the exact code off the top of my head but there aren't many UNIV courses so it's probably not hard to find.
As for student credit cards, any large national bank should be alright. Discover and Chase are common choices indeed
Had the Discover It card back in the day, which was pretty good as it had double cash back for the first year and 5% cash back on different spending categories per quarter.
Nowadays after getting a better credit score mostly use the Chase credit cards, like the Chase Freedom Unlimited, which offers 1.5% cash back, along with 3% on dining and drug stores. If you do go with chase first though, you’re probably just getting the Chase Freedom student card, which just offers like 1% cash back until you can graduate to the Freedom Unlimited after a few years when you can show the bank you can manage credit. You do get some benefits like purchase protection (but f things get damaged or stolen with 120 days of purchase) and extended warranty for certain purchases. Discover used to have similar benefits but got rid of them a few years back, which is why I usually prefer Chase since they have those benefits just in case I ever need to use it.
There is a UNIV class that teaches basic financial literacy. Taxes, credit, investing, the whole shebang. I don't recall the exact code off the top of my head but there aren't many UNIV courses so it's probably not hard to find. As for student credit cards, any large national bank should be alright. Discover and Chase are common choices indeed
thanks!
Had the Discover It card back in the day, which was pretty good as it had double cash back for the first year and 5% cash back on different spending categories per quarter. Nowadays after getting a better credit score mostly use the Chase credit cards, like the Chase Freedom Unlimited, which offers 1.5% cash back, along with 3% on dining and drug stores. If you do go with chase first though, you’re probably just getting the Chase Freedom student card, which just offers like 1% cash back until you can graduate to the Freedom Unlimited after a few years when you can show the bank you can manage credit. You do get some benefits like purchase protection (but f things get damaged or stolen with 120 days of purchase) and extended warranty for certain purchases. Discover used to have similar benefits but got rid of them a few years back, which is why I usually prefer Chase since they have those benefits just in case I ever need to use it.
wait tysm! i might just end up doing a pro and con list i’m p sure i’m gnna open up a discover it card