Secured credit cards What they say
Ever. These fees, which are a common way to gouge people with very bad credit ratings, shouldn't appear anywhere on a student credit card application. If you see them, don't waste time asking the company to waive the fees. Throw the application away. *Is there a charge for paying your bill by phone? Many credit card companies allow you to pay by phone either routinely, or as an emergency measure when you're about to miss a deadline.