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	<title>Student Debt and Credit Education Blog &#187; Credit Cards</title>
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	<link>http://blog.studentplatinum.com</link>
	<description>Current events and opinions about student credit issues</description>
	<lastBuildDate>Mon, 01 Aug 2011 20:05:37 +0000</lastBuildDate>
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		<title>Do I need a credit card for college?</title>
		<link>http://blog.studentplatinum.com/credit-cards/do-i-need-a-credit-card-for-college/</link>
		<comments>http://blog.studentplatinum.com/credit-cards/do-i-need-a-credit-card-for-college/#comments</comments>
		<pubDate>Wed, 27 Jul 2011 07:29:15 +0000</pubDate>
		<dc:creator>Little Miss Platinum</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Student Savings Tips]]></category>
		<category><![CDATA[student credit cards]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1717</guid>
		<description><![CDATA[With all of this talk about credit it is hard for high school and college students to weed out the good information and advice from the bad information and advice. Some people preach that credit cards are evil and that there is no need for a student to have one. Other people say that every person over the age of 18 needs to have a credit card. So which is correct? Do college students need a credit card to get by?]]></description>
		<wfw:commentRss>http://blog.studentplatinum.com/credit-cards/do-i-need-a-credit-card-for-college/feed/</wfw:commentRss>
		<slash:comments>193</slash:comments>
		</item>
		<item>
		<title>Annual Percentage Rates vs. Annual Percentage Yield</title>
		<link>http://blog.studentplatinum.com/credit-cards/difference-between-apr-and-apy/</link>
		<comments>http://blog.studentplatinum.com/credit-cards/difference-between-apr-and-apy/#comments</comments>
		<pubDate>Wed, 11 May 2011 21:18:01 +0000</pubDate>
		<dc:creator>Little Miss Platinum</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[annul percentage rates]]></category>
		<category><![CDATA[apr]]></category>
		<category><![CDATA[apy]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[yield]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1999</guid>
		<description><![CDATA[For loans (including private student loans), student credit cards or investments that involve compounding interest, there are two popular interest rate related terms. Annual Percentage Rate, or APR, is a measure of how much interest will be on an annual basis without taking into account compound interest. Annual Percentage Yield, or APY, is the same [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Sorting Through Student Credit Card Offers</title>
		<link>http://blog.studentplatinum.com/credit-cards/student-credit-card-offers/</link>
		<comments>http://blog.studentplatinum.com/credit-cards/student-credit-card-offers/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 21:37:12 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Poor Credit]]></category>
		<category><![CDATA[credit offers]]></category>
		<category><![CDATA[student credit card offer]]></category>
		<category><![CDATA[student credit card offers]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1987</guid>
		<description><![CDATA[Often times, the bright colors on the packaging and awesome-sounding introductory APR can blind us to the fact that maybe it isn't exactly what we're looking for in a credit card...]]></description>
		<wfw:commentRss>http://blog.studentplatinum.com/credit-cards/student-credit-card-offers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What is a Credit Score? A Quick Guide</title>
		<link>http://blog.studentplatinum.com/financial-information/what-is-a-credit-score/</link>
		<comments>http://blog.studentplatinum.com/financial-information/what-is-a-credit-score/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 20:48:36 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Financial Information]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[what is a credit score]]></category>
		<category><![CDATA[what is credit score]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1982</guid>
		<description><![CDATA[According to the Free Financial Dictionary, credit score is defined as, A credit score is a numerical expression based on a statistical analysis of a person&#8217;s credit files, to represent the creditworthiness of that person, which is the perceived likelihood that the person will pay debts in a timely manner. A credit score is primarily [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>3 Tips for Picking a Credit Card</title>
		<link>http://blog.studentplatinum.com/credit-cards/credit-card-tips/</link>
		<comments>http://blog.studentplatinum.com/credit-cards/credit-card-tips/#comments</comments>
		<pubDate>Thu, 19 Aug 2010 16:37:23 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[credit card search]]></category>
		<category><![CDATA[credit card search help]]></category>
		<category><![CDATA[credit card search tips]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1980</guid>
		<description><![CDATA[If you&#8217;re in the market for a credit card &#8211; be it your first or not &#8211; the complexity of picking one can be overwhelming and pretty confusing. There are tons of different features and benefits in play such as Purchases APR, Balance Transfer APR, annual fee, cashback, etc. Let&#8217;s outline a few basic rules [...]]]></description>
		<wfw:commentRss>http://blog.studentplatinum.com/credit-cards/credit-card-tips/feed/</wfw:commentRss>
		<slash:comments>49</slash:comments>
		</item>
		<item>
		<title>How to Avoid Late Credit Card Payments</title>
		<link>http://blog.studentplatinum.com/financial-information/how-to-avoid-late-credit-card-payments/</link>
		<comments>http://blog.studentplatinum.com/financial-information/how-to-avoid-late-credit-card-payments/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 20:24:02 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Financial Information]]></category>
		<category><![CDATA[late payment]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1969</guid>
		<description><![CDATA[It is extremely important to make sure your credit card payments are made on time.  A late payment can lead to additional charges and a dip in your credit score. It’s true! Part of your credit rating is based on your ability to make payments on time, and even one late payment can hinder your ability to take out a mortgage or finance a car in the long-term.]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Improve Your Credit Score</title>
		<link>http://blog.studentplatinum.com/credit-cards/1958/</link>
		<comments>http://blog.studentplatinum.com/credit-cards/1958/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 19:23:59 +0000</pubDate>
		<dc:creator>College Kid</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Poor Credit]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1958</guid>
		<description><![CDATA[Hey everyone! Are you looking for ways to improve your credit score? StudentPlatinum has just added a page with four simple steps you can take to Improve Your Credit Score for Free. The first of your options is to talk with a credit expert from a debt counseling company to develop a personal credit management [...]]]></description>
		<wfw:commentRss>http://blog.studentplatinum.com/credit-cards/1958/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Perks of Paperless Online Banking</title>
		<link>http://blog.studentplatinum.com/financial-information/the-perks-of-paperless-online-banking/</link>
		<comments>http://blog.studentplatinum.com/financial-information/the-perks-of-paperless-online-banking/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 18:42:14 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Financial Information]]></category>
		<category><![CDATA[online banking]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1943</guid>
		<description><![CDATA[Going paperless has more than just "green" benefits. Doing your banking online can save you time and money.]]></description>
		<wfw:commentRss>http://blog.studentplatinum.com/financial-information/the-perks-of-paperless-online-banking/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Should You Consider Re-aging Your Credit Card?</title>
		<link>http://blog.studentplatinum.com/financial-information/should-you-consider-re-aging-your-credit-card/</link>
		<comments>http://blog.studentplatinum.com/financial-information/should-you-consider-re-aging-your-credit-card/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 21:13:37 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Financial Information]]></category>
		<category><![CDATA[Poor Credit]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1927</guid>
		<description><![CDATA[If you are a delinquent cardholder, meaning you have a slew of added fees and charges for payments made past the due date, you might consider re-aging your credit card to get you back on track.]]></description>
		<wfw:commentRss>http://blog.studentplatinum.com/financial-information/should-you-consider-re-aging-your-credit-card/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Fall for these Credit Card Tricks!</title>
		<link>http://blog.studentplatinum.com/financial-information/dont-fall-for-these-credit-card-tricks/</link>
		<comments>http://blog.studentplatinum.com/financial-information/dont-fall-for-these-credit-card-tricks/#comments</comments>
		<pubDate>Thu, 27 May 2010 21:35:00 +0000</pubDate>
		<dc:creator>Evan Jacobs</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Financial Information]]></category>
		<category><![CDATA[credit card offers]]></category>
		<category><![CDATA[credit card rate]]></category>

		<guid isPermaLink="false">http://blog.studentplatinum.com/?p=1910</guid>
		<description><![CDATA[The people who advertise credit cards are smart people - and by that, I mean they are very good at using flowery language to disguise some of the hidden fees and penalties that can arise from using their cards. As a responsible credit card user, you have to be able to decode that language so you don't end up paying excess fees. Here is a look at some of the more common tricks.]]></description>
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		<slash:comments>24</slash:comments>
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