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Getting a credit card can be a good way to start establishing a credit history and a convenient way to pay for books.
Whether you are an undergraduate, graduate student, or parent, you can use Wachovia's no-annual-fee card for all of your purchasing needs.
Open Your World to Possibilities
With your new card, you also have the option to enroll in Wachovia Possibilities RewardsSM, our no-fee rewards program that helps you earn points for every qualifying purchase.5 And if you enroll your Wachovia Visa® Check Card in rewards, you can combine points earned on both cards to earn rewards even faster.
Information to Know Before Applying
Wachovia does not approve students who have not yet established a credit history. Students lacking sufficient credit history will need a co-applicant (i.e. parent) with a strong credit profile to apply with them. Additionally, students must be at least 18 years old at the time of application and a U.S. citizen to apply for a Wachovia credit card.
*Introductory APRs do not apply to purchases or cash advances. Your rate may increase if your account is consistently past due and we can change the account terms, including fees, are subject to change at any time for any reason. Payments are applied to low APR balances first.
1Introductory Balance Transfer APR available for transfers made with the Promotional Convenience Checks included in the Welcome Kit. Promotional Convenience Checks must post to the account within six (6) months of account opening to receive promotional introductory rate.
2After the first waived late fee, each occurrence is $15 for balances up to $99.99; $29 for balances $100-999.99; $39 for balances of $1,000 or more.
3After the first waived overlimit fee, $20 per billing cycle in which overlimit incident occurs, if account is overlimit at time statement is produced.
4Your Wachovia Credit Card account will not be charged an overdraft fee. The checking, savings or other account will assess a fee.
5A "Qualifying Purchase" is any signature-based, Internet purchase, phone or mail-order purchase, or bill payment made with an enrolled Wachovia Check Card, Wachovia Credit Card, or both. A Qualifying Purchase does not include a purchase made using a Personal Identification Number, balance transfers, cash advances, purchases of money orders or other cash equivalents. Use of Convenience Checks and fees or finance charges do not earn points. Additional restrictions apply.
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Related Links
•CollegeReady Magazine