YCCIC

Finding a Good Student Credit Card

Finding a student credit card with an affordable rate, extras and add-ons, and a long interest-free period can be a challenge simply because there are so many products out there, with hundreds and thousands of issuers and financial solutions.

Student Cards and Perks

Many finance providers offer student cards with a host of perks such as generous cashback on purchases in rotating categories, attractive interest rates, student discounts, rewards points, no annual fee, and a lot more. Obviously, the main benefit for students with limited credit exposure is the fact that regular use and timely payments help build a healthy, solid score. Students learn how to handle credit, budget, and prioritize. A healthy score, on the other hand, opens many doors and enables students to apply for attractive financial solutions such as low-interest consumer loans and mortgages. There are added benefits to using a student credit card, including incentives such as free movies, low or no introductory interest rate, error forgiveness, and plenty more. Error forgiveness means that you won't be charged a penalty rate in case you are late on your monthly payment. Some issuers also offer student cards that are designed for customers who often travel abroad. There are no liabilities or additional charges in the form of foreign transaction fees, which saves you a lot of money. Some cards also go with no over the limit fees which is an added advantage. This means that you won't pay penalty charges in case you exceed your limit. Issuers also offer protection against fraudulent transactions as well as perks such as discounts on gas purchases, double and triple rewards points on select purchases, discounts on hotel stays and holiday packages, flight and hotel upgrades, and much more.

Sports Bars

Montreal is a heaven for sports fans and has plenty to offer. With buzzing nightlife, there are many great clubs and bars for a night out, whether with colleagues or friends. You can go visit Bruno Sport Bar, Chez Serge, MVP Restaurant & Bar, or La Station Des Sports. If you are looking for a quiet place to have a drink or two or watch the FA Cup Final, there are awesome places in Montreal, from Canadian and American bars and clubs with a Montreal twist to places that ooze sports passion and play all kinds of sports games. Bars in Montreal offer quick service, a selection of local and import drinks, inexpensive food, parking, and a lot more for a great night out.

Most big banks and many small banks offer student cards as an alternative to student loans. The Bank of Nova Scotia, for example, offers the Scotiabank student credit card as a convenient, affordable, and flexible payment option. In fact, there are two options to choose from, with perks such as free music and movies, money back rewards, etc. There are plenty of beneficial features for students who are new to credit, including discounts on movie snacks and other items, generous discounts on sports equipment, points that can be redeemed at restaurants, low interest rates, and so on.

Alternatives

Student loans are one alternative to using a credit card, and there are pros and cons to look into. The most obvious benefit is that loans go with a significantly lower interest rate compared to cards. Some credit cards go with a rate of 20 – 30 percent. The interest rate is even lower if you have some asset to pledge and apply for a secured loan. In this case, you offer an asset of value to guarantee a lower rate. If you need a larger amount, then a student loan is a better alternative than a student card. Most issuers offer cards with a large credit line only if you have a healthy and established score. If you are like most students, however, you are probably new to credit. You may also apply for a government-sponsored loan to benefit from a lower interest rate and flexible repayment schedule. Another option is to apply for a secured or unsecured line of credit with a high limit. The product of choice depends on your score, amount required, and other factors. If you fail to qualify, ask a close friend or relative to apply together with you as a cosigner.

Colleges and Universities in Yukon

The Yukon College is the main institution of higher education for residents of Yukon, offering a host of programs for residents and out-of-state students, including First Nations core competency, continuing education, distant learning, and credit courses and programs.

Choosing from Different Institutions

This depends on your program of choice as well as factors such as awards and scholarships offered, cost, culture and size (number of students), location, and academic and language requirements. Other factors that play a role include programs and courses offered, credentials, student experiences, rankings, support for students, extracurricular activities, accreditation and quality, and housing options.

Benefits for Students

Students enrolled in the Yukon College are free to choose from different programs, including education, culinary arts, business administration, multimedia communication, food and beverage operations, and general studies, among others. There are plenty of options to look into, for example, culinary arts, circumpolar studies, liberal arts, heritage and culture, early learning and child care, Northern First Nations Studies, etc. If you opt for a distance learning program, there are plenty of options to look into, from general studies and business administration to visual arts, social work, science, restaurant operations, renewable resources management, and so on. The college offers different types of degrees, including completion certificates, certificates, diplomas, and degrees. Some completion certificates include credit courses while others do not. Certificates usually take 1 year to complete and include credit courses while degrees take longer (4 years) and also include credit courses. With completion certificates the timeline or length varies while certificates take 1 year. Continuing education courses are also offered, including online courses. Courses are offered in flexible working hours to fit within your schedule. There are plenty of options to consider, including professional development workshops, business and professional training, conflict resolution, supply management training, project management, etc. First aid courses are also offered, along with language courses, trades and safety, and health care training. Students are also offered the option to transfer courses. They also benefit from co-operative education which is offered in the form of practicums. The curriculum includes the completion of a number of courses, techniques, and strategies, including self-management strategies, interview preparation, self-marketing techniques, resume completion, and so on. There is also a cooperative education coordinator who is responsible for helping students with job search information and strategies, career planning, labor market information, and a lot more.

Admission

Students are required to meet certain admission requirements to enroll, depending on whether they are mature students, grade students, or high school graduates. Mature students are usually asked to submit college assessments while grade 12 students are asked to provide a copy of their report card, along with their high school transcript. In any case, students are asked to provide proof of education in a form that is accepted by the college. A final or official copy of transcript is usually required to enroll. It is recommended to submit all documents as early as possible. Once you get approved, it is a good idea to go over the campus housing guidebook and academic regulations to make an easier transition and ensure that you know the rules of the game. The next step is to apply for financial aid and register for courses and you are already onboard.