Hey there! Sign in to join this conversationNew here? Join for free

Student Credit Cards

Announcements Posted on
Last day to win £100 of Amazon vouchers - don't miss out! Take our quick survey to enter 24-10-2016
    • Thread Starter

    Hey all,
    I've been looking to try and improve my credit score, cause it's not great since I don't have much credit history. Problem is, all the advice seems to say that getting a credit card is the best way, which can be pretty difficult for a student. I had a look at some student credit cards, which are supposed to be targeted at us, yet they all say you need at least £3000 income. I'm on a full time course, so I don't actually have a part time job, and all of my income is from my loan and bursary. This puts me well above the £3000 income, but it doesn't count when applying, so it looks like I have no money to repay them back. I'm not planning to use it to make crazy purchases, just to pay some bills and pay it back well in time before the high interest starts. I understand they can't take my word on this though.
    So question is, has anyone been able to get a credit card with no income? Or does anyone have any other good ways to improve credit score?

    I didn't manage to get a credit card at uni, I got a catalogue account through very in my second year and stayed at the same address for a year which might have helped. I have a horrendous rate credit card now having left uni three months ago and it's very slowly putting my credit rating up

    Why do you need a good credit rating? Generally, the only reason you need a credit history is if you want to borrow money commercially. When you graduate, this may be a bit of a problem (I remember being refused credit to buy a sofa) but if you are working and earning, getting a credit card to buy the odd thing here and there and then fully paying it off will get you up to speed in no time. It is also worth noting that moving around as a student can destroy your credit score. Once settling down though, this soon gets sorted out.
Write a reply…


Submit reply


Thanks for posting! You just need to create an account in order to submit the post
  1. this can't be left blank
    that username has been taken, please choose another Forgotten your password?
  2. this can't be left blank
    this email is already registered. Forgotten your password?
  3. this can't be left blank

    6 characters or longer with both numbers and letters is safer

  4. this can't be left empty
    your full birthday is required
  1. Oops, you need to agree to our Ts&Cs to register
  2. Slide to join now Processing…

Updated: June 23, 2016
TSR Support Team

We have a brilliant team of more than 60 Support Team members looking after discussions on The Student Room, helping to make it a fun, safe and useful place to hang out.

Today on TSR
Would you rather find
Useful resources
Bizarre things students have spent their loans onThings you should budget for at uni

Sponsored features:

Making money from your own website

Need some cash?

How to make money running your own website.

Bianca Miller, runner-up on The Apprentice

Handle your digital footprint

What would an employer find out about you on Google? Find out how to take control.

Groups associated with this forum:

View associated groups

The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.