Category: Development

List of Best Credit Card for International Students in the UK

The student credit card though has fewer requirements compared to other credit cards, it has low credit limits as well as low-interest rates. There are lots of student credit cards for individuals who meet the requirements, but it is very difficult to select the best one, especially for international students.

Going by the aforementioned, we are going to explore the concept of student credit cards in the UK as well as the list of best credit cards for international students in the UK all through this article.

List of Best Credit Card

In the UK, both domestic and international students find it difficult to obtain credit cards as they typically have little or no credit history and source of income which serve as proof to pay off credit spent. However, there is a specific credit card – Student Credit Card specially designed for students to help sort out their financial issues and build up their credit score for future purposes.

What are Student Credit Cards

Student cards are issued to college and university students to help provide for their financial needs and build their credit scores. It works like other credit cards but the difference is that you must be enrolled in college or university either on part-time or full-time study.

Student credit cards generally come with low credit limits and low-interest rates. It allows you to spend easily, earn rewards, build credit, protect against fraud, and enjoy several other perks.

Requirements for Securing Student Credit Cards in the UK

The student credit cards though have fewer requirements compared to other standard credit cards, some of these requirements that qualify you to apply for the student credit card in the UK are

  1. Active Studentship: The student credit card will be issued to you if you are pursuing a course at a UK university or college (usually one that lasts two years or more).
  2. Age: Aside from being a part-time or full-time student in the UK, you must be at least 18 years old, if you will have the chance to obtain a student credit card
  3. Living in the UK: Being in the UK or residing in the UK is another that qualifies you to apply for student credit cards. This means if you are studying in the UK through distance learning, you are not eligible to obtain a credit card.
  4. Have a UK Bank Account: For you to be eligible to obtain a student credit card, you must have a UK bank account. Usually, it is the bank you are using that issues the student credit cards.

Ways to Choose the Best Credit Card for International Students in the UK

When you already have a reason to use a student credit card, but you are stuck on the credit card to use. There are many students with credit cards and they vary depending on the specific features of individual cards. Here are the main features to consider in selecting the best student credit cards for international students in the UK.

1. Annual Fees: This is the fee charged for using the credit card per annum. Most of the card issuers charge little or no annual fee. So, you need to look out for this feature in selecting the right student credit cards.

2. APR: This is the interest rate for credit cards. It is the additional cost charged on the total purchase made per annum. The student credit card APR in the UK is around 22%, so you should consider this rate alongside your budget in determining the credit card to use.

3. Intro Rate: Some credit cards charge no interest rate for a particular period. Put this feature among your checklist for the best student credit card in the UK.

4. Cash-back: In every made for a particular good or time or at a particular shop, you will receive some rewards. This is one of the benefits of student credit cards, so one can decide to select the right student credit card based on that.

5. Foreign Transaction Fees: Some of the issuers in the UK charge a fee when you use their cards to make purchases overseas or with an international retailer online. This fee is usually between 2% and 3.5% of the total transaction. Be on the lookout for the cards without a foreign transaction fee to select the right student credit card.

List of Best Credit Card for International Students in the UK

When you have already know the requirements that qualify you to apply for the student credit card and how to choose the best one that suits your demand, knowing how to apply shouldn’t come with stress. This is a list of the best credit cards for international students in the UK.

1. Barclaycard Forward Credit Card

Annual Fee: £0

APR:  33.9% per annum (Variables)

Intro Rate: 0% for the first 56 days.

Foreign Transaction Fee: 2.99%

The Barclaycard Forward Credit Card is among the list of best credit cards for international students in the UK. You are eligible to apply for this card if you are at least 18 years, have a UK permanent address and source of income. The credit limit is between £50 – £1200 which comes with a relatively high purchasing interest of 33.9%. However, it has %0 intro rate for 56 days, and also, you will receive interest rate reductions of 3% in the first year and then 2% in the second year if you meet the terms and conditions.

This card gets you up to five months of Apple Music, Apple TV+, Apple News+, and Apple Arcade. Also, you can earn up to 15% cashback when you spend at a range of participating retailers.

2. Tesco Bank Foundation Credit Card

Annual Fee: £0

APR:  27.5% per annum (Variables)

Intro Rate: 0% for the first 56 days.

Foreign Transaction Fee: Not Available

This student credit card is suitable for those who want to build their credit score with low credit limits and low monthly repayments. It has a Representative APR of 27.5% with a purchase rate of 27.5% (variable) based on an assumed credit limit of £1,200. There is also a £0 intro rate for the first 56 days of using this card.

For using Tesco Bank Foundation Credit Card, you will earn 1 Clubcard point for every £4 spent in Tesco and 1 Clubcard point for every £8 spent (£8 minimum) everywhere else. There’s no annual fee for using this student credit card as well.

3. TSB Student Credit Card

Annual Fee: £0

APR:  21.9% per annum (Variables)

Intro Rate: 0% for the first 56 days.

Foreign Transaction Fee: £0

Like other student credit cards, TSB Student Credit Card provides an alternative for students’ financial issues and allow them to build a credit score for future purpose. Its representative and purchasing rate which is 21.95 is relatively low compared to others. It also charges no annual fee, foreign fee and there is a 0% intro rate for the first 56 days of using this card.

This card also comes with rewards and perks, but it can only be revealed when you apply to use the card. You must have a student account to be able to apply for this credit card.

4.  AIB Student Credit Card

Annual Fee: £0

APR: 18.25% – 20.25% per annum (Variables)

Intro Rate: 0% for the first 56 days.

Foreign Transaction Fee: Not Available

If you are at least 18 years schooling in any of the colleges or universities in the UK that needs financial freedom and seeking a way to build a credit score, you should look out for AIB Student Credit Card. It has a credit limit that allows you to pay your balance in full and on time each month, you won’t incur any interest on purchases or cash advances.

Its interest rate is between 8.25% – 20.25% per annum but comes with 56 days of 0% interest on each. There are rewards and other perks for using this credit card. It is also mandatory that you have an existing AIB account to get this card.

5. HSBC Student Credit Card

Annual Fee: £0

APR: 18.9% per annum (Variables)

Intro Rate: 0% for the first 56 days.

Foreign Transaction Fee: Not Available

HSBC is one of the largest banks in the UK. It offers student credit cards for those seeking to build their credit score. Its interest is pegged at 18.9% for £500 assumed credit limit. It is also a no-annual-fee card and comes with sumptuous cash-backs. To be eligible, you must have an HSBC student bank account and be enrolled as a student in the UK.

Conclusion

Student credit cards can give you financial freedom and help you build a credit score that can be used to qualify for a loan and another mortgage after graduation. Getting the card isn’t difficult provided that you choose the right one. Above is the list of the best credit cards for international students in the UK. It should help you make the right choice. If there’s any inquiry regarding this article, we will gladly respond, just drop it in the comment box below.

Valuable Certifications You Need To Have

Some skills are getting outdated and modernized. This is why many people are getting laid off from where they’ve worked for years. It’s sad but if you don’t have the required skill to perform some tasks you won’t be employed in this day and age

To avoid this, it is time to get reskilled and ready for your next opportunity.

Here are a few of the best IT certifications courses that can help you to jump ahead in those fields:

Data Science
Project Management
Digital Marketing
Software Development
Dev Ops
Cyber Security
Cloud Computing

It matters less which direction you choose as long as you choose a direction that helps you stay relevant.

What certifications do you currently own or preparing to take?

 

You Can’t Be Average And Be Excellent

If excellent results are part of your goals this year, then you must do what others won’t do.

You must be ready not to do what an average person does, and be willing to do what they won’t do

Yeah, an average person wakes up when they feel like doing what they feel like doing.

An average person doesn’t go the extra mile. They do not do the extraordinary.

To achieve excellence this year, you must strive to do what others do not do.

So, check what you are doing, is that not what an average person does?
Remember, you can’t be average and achieve excellent results.

At Jetheights, we are always interested in your success, and we are here to help you grow.

Feel free to reach out to us, and follow @ayoalexalao for more.
Our lines are available for consultation and inquiries, send us a Dm or call us on:
+2349062470398

Or send us an E-mail
Hello@jetheights.com
www.jetheights.com

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Good Ideas Are Always Crazy Until They Are Not.

Hi, we hope you are having an awesome week.

And we are sure you are having a beautiful plan for the year ahead.

Have you got a business idea for the new year?
We hope you give it a try.

Even if it looks crazy, and you aren’t sure if it will work,
DON’T TRASH IT JUST YET.

Who knows, it might end up being a great idea after all.

At Jetheights we wish you a merry Christmas and an amazing new year in advance.

Feel free to reach out to us for consultation and inquiries!

Send a DM or call us on:
+2349062470398

Or send us an E-mail
Hello@jetheights.com
www.jetheights.com

For more business growth tips, follow us on our Social Media Platforms
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If You Were Not Doing The Business You Are Into Now, What Would You Have Been Doing?

While some already preplanned and dreamt of being a business owner, some just stumbled into it and found their paths.

Some planned to be a professional, doing white-collar jobs, while some dreamt of doing another business different from the one they are doing now.

So tell us, If you were not doing the business you are into now, what would you have been doing?

Would you still love to do it?

Let us know in the comment section.

Our lines are always available for consultation and inquiries,
Send a DM or call us on
+2349062470398

Send us a mail at Hello@jetheights.com.
Check us out: www.jetheights.com

For more business growth tips, follow us on our Social Media Platforms
Facebook: https://www.facebook.com/Jetheights
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How To Tell A Compelling Brand Story

Storytelling grabs attention, elicits emotion, and engages people. When you tell a compelling brand story, people are naturally captivated.

Whether it’s the story of how you built your business, the story of how your product improves people’s lives, or how you turned a passion project into a lucrative business, finding a unique brand story is one of the most effective ways to entice, engage, and encourage people to build a relationship with your brand.

Below are the straight simple elements you can use in creating a powerful brand story:

The status quo:
The status quo is the way things are or the initial nature of the situation, a backstory about yourself is also featured here.

The conflict:
The conflict disrupts this situation and puts something at stake, forcing the protagonist (your brand) to actively find a solution to this problem.

The resolution:
This describes how the protagonist solves the problem, giving your audience an emotional payoff. This talks about how you came up with your product/services or your USP.

Share the results of your journey. How has it affected you personally? What effect has it had on your customers and the community?

A great brand story is succinct and tells the narrative of your brand, including where you’ve come from and where you are going. A great brand story must be true, authentic, and honest. Consumers sniff out inauthenticity in a heartbeat and will punish you for it. A great brand story must also be deep-rooted in purpose.

When there is a purpose driving your story, audiences engage. It invites the audience to be part of where you are going and is written conversationally. It shares your heart and why you do what you do, and as a story, you must learn to tell it masterfully.
Now,
Ready? Think, Write!

Need help?
Feel free to reach out to us for consultation and inquiries.
Send a DM or call us on
+2349062470398
Check us out: www.jetheights.com
Send us a mail at Hello@jetheights.com

For more business growth tips, follow us on our Social Media Platforms
Facebook: https://www.facebook.com/Jetheights
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Stop Selling Start Helping

Sound somehow, right?

Well, the truth is, nobody wants to be sold to, but everyone loves their problems being solved.

So, whenever you are interacting with your target audience, don’t come sounding desperate and sales.

Instead, make sure you understand their pain points and proffer solutions.

With this, “selling” becomes easier than you could imagine.

Need help with Digital Marketing/business branding?

Our lines are always available for consultation and inquiries:

+2349062470398

Or send us an E-mail
Hello@jetheights.com

Check us out!
www.jetheights.com

For more business growth tips, follow us on our Social Media Platforms
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Join our online growing community: https://www.facebook.com/groups/Africanify

 

Need To Reposition Your Brand?

We are one of Nigeria’s leading Web and Digital Marketing Agency proffering world-class responsive Website experience, e-commerce solutions, Mobile Apps, Brand Identity, Publishing and Advertising, Content Writing, Editing, Publishing & Marketing, Social Media, and Digital Marketing Services for forward-thinking businesses, and brands using growth hacking tools and trusted technologies to increase sales, improve ROI and make your brand unforgettable.
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At Jetheights, we use simple, yet top-level business growth-hacking solutions for entrepreneurs to increase visibility, sales, and your results.
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If you’re struggling with Sales, need Leads, struggling with Client Conversion or retention, Visibility & strategy, or need a team to look into your brand architecture, you need to speak to Jetheights right away… We currently manage several top local (Nigeria & Africa) and international clients

Looking for game-changers? Call us today!
We are Premium, yet affordable.

Contact us 07031740649
hello@jetheights.com
Check us out!
www.jetheights.com

For more business growth tips, follow us on our Social Media Platforms
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