Is it easier to apply for a debit card than for a credit card?

I need to get either because I have to buy some textbooks off amazon because im in college but I dont have a credit card or debit card. Is it easier to get a debit card?|||You can always get a debit card bit you can't always get a credit card. For a debit card you need to open a bank account and then you need to put money into it to use your debit card. With a credit card you are borrowing money and you will need to show you can pay it back, that you don't have a bad credit rating, that you are over the legal age and that you have a steady income. The debit card is a sure thing as long as you have some money to open an account with.|||No, it isn't, to get a credit card all you have to do is go to any store or bank and apply. There will be several different cards that you may choose from that fit your budget and there is less risk due to id theft with a credit card than there is from a debit card. I would go to a bank for one and go for a standard issue one as opposed to one that is meant just for students. The problem with those is that many credit card companies are vultures and often times write in 'catches' that may screw you over as a student (extra fees and usage fines). Go for one with a relatively low spending limit (just to maintain control) and make sure to try to pay it off at the end of every month to prevent problems. Have you ever tried googling your textbook ISBN numbers to see if there are better deals elsewhere, try it, you can save a bundle that way. Just ask your instructors if they could give the numbers to you and go for express shipping. Good luck bro.|||If you can open a checking account you can have a debit card. When you use the debit card, the money you have in your checking is deducted. So as long as you have money in your account, you can either take the money out by writing checks or using a debit card. '


If you have a credit card, and buy things with it, you are borrowing money and paying interest. You must make at least a minimum payment per month or preferably pay it off in full when the bill comes to you.|||Debit and credit cards work very differently. Debit cards are linked to your checking account and use the money you have. Credit cards are essentially a line of credit aka a loan.


Youll need to have good credit in order to have a credit card and have a means to pay back what youve borrowed. Also, it will take a while for the card to get in and your credit limit, if youve never had one before, may range from $250 on up. Your monthly income affects whether or not youll even be eligible for a card. No job means no card.


If you dont have a checking account, please open one. Its a great way to establish yourself. Plus, any loans require an open, active account. Plus, did you know you can have your tax refund directly deposited and youll get it faster that way?|||A debit card is nothing to get; all it is is a plastic checkbook backed by Visa or Mastercard. Since it draws from your account immediately, and won't draw at all if funds are insufficient, no credit is needed (since no credit is used). You just need a bank account (some banks may want a minimum deposit to be maintained).|||I would recommend you to go ahead to get a credit card, and start to build your good credit history.


Of course, the top choice is still the Citi mtvU Platinum Select Visa Credit Card for College Students. This Citi mtvU Card is specialized for college students. You get 5 thankyou points for each dollar spent at restaurants, bookstores, video stores and movie theaters. Meanwhile you can also get 5 thankyou points for every dollar at Amazon.com. Plus you can rewards for being a good student. You can earn 250~2,000 bonus thankyou points each semester for maintaining a good GPA. In a word, this Citi mtvU card is highly recommended for college students. (Citi is also very friendly to grant college student this card to help student to build the credit)





http://tinyurl.com/citiStudentCard09|||Generally it is easier to get a debit card. Most checking accounts at banks offer a debit card for free along with the account. Check your local bank to see if they offer either free or student checking. I can bet that it will come with a debit card.|||You apply for a credit card but you do not apply for a debit card. A debit card is used instead of checks and money is withdrawn from your checking account.


So, if you don't have the money, go with credit.|||Definitely debit card.