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***Thank you for visiting our website. Visit us again.*** For news media inquiries, please contact:Toronto (416) 867-3996Montreal (514) 877-1873Vancouver (604) 665-7596 Printer-friendly version TORONTO, August 14, 2009â A Credit card is more than just a charge card. While it’s great for emergencies, it also represents the first step towards building a good credit history. But itâs important to be realistic About your needs and your ability to manage credit responsibly so that your credit card serves as an effective and flexible payment tool rather than a pathway to debt. Nancy Marescotti, Director, Card Marketing, BMO Bank of Montreal, offers the following advice to give students the credit card smarts theyâll need before applying for their first card. Know your limit A credit card is not a blank cheque and shouldnât be treated like one. Pick a card with a low introductory credit limit. The limit on your card helps protect you from overspending. If you know you will not be able to resist splurging, ask to have your limit reduced to a level you can manage. Not all cards are created equal They come with a variety of rewards, features, fee structures and interest rates. Take the time to shop around and choose a card that suits your personal circumstances and specific needs. Donât be fooled by introductory âteaserâ rates If you believe that you may need to carry a balance, pick a card that offers a low annual interest rate as your interest rate can make a significant difference in what you pay. But donât be fooled by âteaserâ rates that entice you with a short-lived low introductory rate. Once the introductory period is up, your interest rate could skyrocket. Get more out of your credit card with discounts and rewards The BMO SPC MasterCard comes with an option to lower your interest rate without giving up any of the benefits of the BMO MasterCard credit card: Discounts â Exclusive Student Price Club discounts and savings on clothes, shoes, accessories, sporting goods, restaurants, entertainment, travel and other services at thousands of SPC Card retailers at no added fee. Rewards â The BMO SPC MasterCard provides built-in AIR MILES or CashBack rewards at no added fee. If you anticipate travelling throughout the school year to see family or friends, a card that earns rewards with every purchase, such as AIR MILES, makes sense. AIR MILES reward miles can be redeemed for flights, bus tickets, merchandise and more. If, on the other hand, you would rather earn immediate savings, a CashBack reward option will put money back in your pocket for every purchase you make. Ink the deal Be sure to sign your credit card as soon as you receive it. Pay it off Always try to pay your balance in full every month by the statement due date. Otherwise you will be charged interest. At the very least, make the minimum monthly payment and if you can, try to pay more than the minimum balance due since the faster you pay off the balance, the less interest you will pay. Build a good history Once youâve chosen your credit card, use it responsibly. Start building a good credit score by paying your balance or minimum monthly payment on time. A bad credit rating can have a negative impact when you want to get a loan, buy a car or condo or even get the job you want. Be loan smart The ability to get a cash advance on your card is great for emergencies, but you’ll be charged interest from the moment the cash is in your hands. Try to avoid taking cash advances on your credit card if at all possible. Protect your identity Save yourself (and your credit) from identify theft. When you make an online purchase, make sure the website has security features so that your information does not fall into criminal hands. If you are providing your credit card information to a merchant over the phone, ensure the merchant is reputable. Lastly, do not share your credit card with friends — any slipup can put your credit at risk. What’s required Usually, to apply for a student credit card you must:Be a permanent Canadian resident;Be of age of majority in your province or territory;Be a full-time student at a recognized college or university;Earn annual income from employment, scholarship/grant, student loan or family allowance. Information provided by BMO Bank of Montreal. For more information about BMO MasterCard, visitwww.bmo.com/mastercardor call 1-800-263-2263. Free Banking for Studentsâ BMO has made a commitment to help its customers save money and manage their day-to-day finances more effectively. Its recently announced BMO SmartSteps program delivers a straightforward approach to identifying real savings for customers such as through reduced fees and lower interest costs and BMO is the only bank to offer students free banking during school and for the first year after graduation. Students who open a Personal Banking account at BMO can bank for FREE* (a savings of $102 each year) and will receive a number of services including: Up to 30 transactions each month 1Interac® Email Money Transfer per month Overdraft Transfer Service at no extra charge * See Backgrounder attached to this release for details For more information about financing solutions for students, drop by your local BMO Bank of Montreal branch or visitwww.bmo.com BACKGROUNDER BMOâs Student Six Pack Free Banking — Students who open a Personal Banking account with the Plus Plan can bank for Free (a savings of more than $100 each year) and will receive a number of services including:o Up to 30 transactions each montho 1InteracEmail Money Transfer per montho Overdraft Transfer Service at no extra chargeo BMO is the ONLY bank to provide recent graduates with an extra year of FREE banking Premium Rate Savings Accounto Competitive interest rate without locking in your moneyo Up to 30 transactions each montho 1InteracEmail Money Transfer per montho Overdraft Transfer Service at no extra charge Student Line of Credito Low interest rates â set at Prime plus 1%o Credit Limit — borrow up to $15,000 in your first year and $10,000 in each remaining year to a 4-year maximum of $45,000 for full-time studentso Lower borrowing costs than a student loan — pay interest only on the amount you actually useo Easy access to funds — use your BMO debit card or your Student Line of Credit MasterCard®*, write a cheque or visit a BMO branch.o Easy repayment — monthly interest-only payments up to one year afteryou leave schoolo No fees — no annual or monthly fees, no ABM fees BMO SPC MasterCardo NO-FEE rewards (AIR MILES or CashBack)o Choice of Interest Rate planso 10-15% off purchases made at thousands of retailers and restaurant chains that offer Student Price Card (SPC) discounts Easy Access to Online Banking Serviceso Send an Interac Email Money Transfero Choose a paperless or consolidated bank statemento Change your addresso Order chequeso Open a chequing or savings accounto Transfer funds between your account and your BMO SPC MasterCard AIR MILES reward mileso On purchases you make with your BMO Debit Cardo On purchases you make with your BMO SPC AIR MILES MasterCard By Anonymous
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Za informativnih medija upite, molimo kontaktirajte: Toronto (416) 867-3996 Montreal (514) 877-1873 Vancouver (604) 665-7596 Verzija za ispis TORONTO, 14. kolovoz 2009 â € " Kreditne kartice je više nego samo punjenje kartice. Iako je velik za hitne slučajeve, to također predstavlja prvi korak ka izgradnji dobru kreditnu povijest. No, itâ € ™ s važno biti realan o vašim potrebama i vašem sposobnost da upravlja kredit odgovorno tako da je vaša kreditna kartica služi kao učinkovit i fleksibilan alat plaćanja, a ne put do duga. Nancy Marescotti, direktor marketinga kartica, BMO banka Montrealu, nudi sljedeće savjete kako bi studentima pameti kreditne kartice theyâ € ™ ll potreba prije podnošenja zahtjeva za njihovu prvu karticu. Znate svoj limit Kreditna kartica nije bianco ček i shouldnâ € ™ t biti tretirani kao jedan. Odaberite karticu s niskim uvodnom kreditni limit. Granica na kartici pomaže u zaštiti od prekoračenje. Ako znate da nećete moći odoljeti splurging, tražiti da se vaš limit smanjen na razinu možete upravljati. Nisu svi kartice su stvorili jednaki Oni dolaze s raznim nagradama, mogućnosti, struktura pristojbi i kamatnih stopa. Uzmite si vremena da se oko shop i odaberite karticu koja odgovara vašim osobnim okolnostima i specifične potrebe. Donâ € ™ t biti prevaren od strane uvodnom â € ~ teaserâ € ™ cijene Ako smatrate da ste svibanj morati nositi ravnoteže, pokupiti karticu koja nudi nisku godišnju kamatnu stopu kao kamatne stope može napraviti značajnu razliku u ono što plaćate. No, donâ € ™ t biti prevaren od strane â € ~ teaserâ € ™ stope koje vas mame s kratkotrajne niske uvodnom stopa. Nakon uvodnih razdoblje je gore, vaša kamatna stopa mogla poletjeti uvis. Dobiti više od Vaše kreditne kartice s popustima i nagradama BMO SPC MasterCard dolazi s opcijom da sniziti kamatne stope bez odustajanja bilo od koristi kreditne BMO MasterCard kartice: Popusti â € "Ekskluzivno Studentski Cijena Club popusti i uštede na odjeću, obuću, pribor, sportska oprema, restorana, zabave, putovanja i ostalih usluga na tisućama SPC kartice trgovaca na dodanu bez naknade. Nagrade â € "BMO SPC MasterCard pruža ugrađene u zrak milja ili Cashback nagrade bez dodatne naknade. Ako očekujete putovanja tijekom cijele školske godine vidjeti obitelj ili prijatelji, kartica koja zarađuje nagrade sa svake kupnje, kao što su zrak milja, ima smisla. Zraka milja plaću milja može biti otkupljen za letove, autobusne karte, robe i još mnogo toga. Ako, s druge strane, ti bi radije zaraditi neposredne uštede, Cashback opcija nagrada će staviti novac natrag u svoj džep za svaku kupnju koju čine. Tinta Deal Budite sigurni da se prijavite svoju kreditnu karticu čim ga dobijete. To isplatiti Uvijek pokušati platiti ravnotežu u punom svaki mjesec izjavom dospijeća. Inače će vam biti naplaćen interes. U najmanju ruku, napraviti minimalne mjesečne uplate i ako možete, pokušajte platiti više od minimalnog balans jer brže isplatiti ravnotežu, manje kamate koju će platiti. Izgradite dobar povijest Jednom youâ € ™ ve izabrao svoju kreditnu karticu, koristite ga odgovorno. Početak izgradnje dobru kreditnu rezultat plaćati svoje stanje ili minimalne mjesečne uplate na vrijeme. Loš kreditni rejting može imati negativan utjecaj kada želite da biste dobili kredit, kupiti auto ili Condo ili čak dobiti posao koji želite. Budite kredit pametna Sposobnost da se gotovinom unaprijed na kartici je super za hitne slučajeve, ali ćete se naplaćivati kamate od trenutka gotovina je u vašim rukama. Pokušajte izbjegavati uzimanje gotovine na Vašu kreditnu karticu ako je ikako moguće. Zaštitite svoj identitet Spremi sebe (i vaša kreditna) iz identificirati krađe. Kada bi on-line kupnju, pobrinite web stranica ima sigurnosne značajke, tako da vaši podaci ne spadaju u kaznena rukama. Ako su vam pružiti podatke o kreditnoj kartici na trgovca preko telefona, osigurati trgovac je renomirani. Na kraju, ne dijele svoju kreditnu karticu s prijateljima - bilo greška može staviti svoj kredit u opasnosti. Što je potrebno Obično, podnijeti zahtjev za student kreditne kartice morate: Budite stalni stanovnik Kanade; Budite punoljetni u vašem pokrajini ili teritoriju; Budite redoviti student na priznatog koledž ili sveučilište, Zaradite godišnji prihod iz radnog odnosa, stipendija / Potpora, studentski kredit ili obiteljski doplatak. Informacije koje BMO banke Montrealu. Za više informacija o BMO MasterCard, visitwww.bmo.com / mastercardor nazovite 1-800-263-2263. Besplatno Bankarstvo za studente â € "BMO je napravio opredjeljenje da pomogne svojim klijentima uštedjeti novac i upravljati svojim dan-to-day financije učinkovitije. Njegova je nedavno najavio BMO SmartSteps Program pruža izravan pristup identificiranja stvarne uštede za kupce, kao što kroz smanjenje naknada i nižih kamatnih troškova i BMO je jedina banka ponuditi studentima besplatan bankarstva tijekom školi i za prvu godinu nakon diplome. Studenti koji otvaraju osobnog bankarstva račun na BMO može banka za BESPLATNO * (ušteda od 102 dolara svake godine), te će dobiti broj usluga, uključujući: Do 30 transakcija svaki mjesec 1Interac ® E transfera novca mjesečno Prekoračenje Transfer Service bez nadoplate * Vidi Backgrounder prilogu ovog izdanja za detalje Za više informacija o financiranju rješenja za studente, kap po lokalnom BMO banke Montreal grane ili visitwww.bmo.com BACKGROUNDER BMOâ € ™ s Studentski Six Pack Besplatno Bankarstvo - Studenti koji otvaraju osobnog bankarstva račun s Plus plan može banka za besplatno (ušteda od više od 100 dolara svake godine), te će dobiti broj usluga, uključujući: o Do 30 transakcija svaki Money montho 1InteracEmail Transfer po montho prekoračenja Transfer Service bez dodatne chargeo BMO je jedina banka pružiti nedavnih diplomanata s dodatnom godine BESPLATNO bankarstva Vrhunski Stopa štednje Accounto Konkurentski kamatna stopa bez zaključavanja u vašem moneyo Do 30 transakcija svaki Money montho 1InteracEmail Transfer po montho Služba za prekoračenje prijevoz bez nadoplate Student Line od Credito niskih kamatnih stopa â € "postaviti na Prime plus 1% o. Kreditni limit - posuditi do $ 15,000 u prvoj godini i $ 10,000 u svakoj preostale godine na četiri godine najviše 45.000 $ za puno radno vrijeme studentso Niži troškovi posudbe od studentskih kredita - platiti kamatu samo na iznos koji ste zapravo useo Jednostavan pristup fondovima - iskoristili BMO debitnu karticu ili svoju Studentski kreditna linija MasterCard ® *, napisati ček ili posjetite BMO branch.o Easy otplate - mjesečna kamata samo uplate do jedne godine afteryou dopusta schoolo nema naknada - nema godišnje ili mjesečne naknade, nema ABM naknade BMO SPC MasterCardo NO-NAKNADA nagrade (AIR MILES ili Cashback) o Choice kamatne stope planso 10-15% popusta kupi napravio na tisuće trgovaca i restorana lanaca koji nude kartice Studentski Cijena (SPC) popusti Jednostavan pristup online bankarstvo Serviceso Pošalji Interac E Novac Transfero Odaberite bez papira ili konsolidirani banka statemento Promijenite addresso Red chequeso Otvaranje chequing ili štedne accounto prijenos sredstava između računa i BMO SPC MasterCard AIR MILES nagrada mileso Na kupnju koju čine sa svojim BMO Rashodi Cardo Na kupnju koju čine sa svojim BMO SPC zraka milja MasterCard Do Anoniman