I have recently been looking into getting a credit card mainly as a way to help increase my credit score and have a way of having emergency funds. This sounds like an easy task of signing up for a card and getting approved or denied. As I have learned there are loads of fine print associated with the cards.
I have been looking to get a card with less than 20% APR, which isn't easy since I don't have much credit besides my loan debt. This isn't a an easy option because most cards require a co-signer or at least a higher income amount then I can current obtain thanks to school. I can't get my parents to sign as my mother isn't a viable credit candidate and father being deceased. I am looking into to possible student cards offered by Citi and discover but am not so sure the APR and annual fee is high.
Its hard not to be dragged in by the special perks they offer such as cash back or bonus points. I just feel as if I will never get a credit card before I graduate college. I am taking a break from searching and am open to suggestions from readers!