How credit cards for students work

They have very useful features that are designed to meet the needs of young people.

Students, especially university students, are one segment of the population with some specific individual characteristics. They are of legal age but they tend to live at home with their parents, and those who have moved to another city to study also tend to be supported by their parents. Although most of them do not have a regular job, they still have monthly expenses they need to manage. Banks are developing packages intended exclusively for them, which include credit cards for students.

When analyzing credit cards for students it is important to be aware that they present some special conditions, even though their method of usage is the same as with an ordinary card.

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Después Card
You'll be able to pay for your purchases over time and use it at over 6,000 ATMs.

Differences between a credit card and a debit card

Since a credit card for students may be a customer's first bank card, is necessary to briefly explain the differences between debit cards and credit cards. This is the only way for a future customer to know which product is best adjusted to his or her characteristics.

The primary difference between the two products is the payment method. While with a debit card a purchase is charged directly against the cardholder's account, with a credit card a debt is taken on with the bank, which can be paid off at the end of the month, or else by paying a stipulated percentage each month or a fixed amount each month. Credit cards also offer the possibility of financing to pay for large purchases over time, or in other words, they can be used in a way similar to a loan from the bank. This is an option that debit cards do not offer. Finally, a credit card typically charges interest to the cardholder for taking out cash advances. 

BBVA Joven Cards

BBVA knows that its younger customers are important, so it has designed 4 cards especially for them. These products are part of the Joven range for persons under 30 years of age. The catalog of BBVA Joven Cards includes one pre-paid card, one debit card, and two credit cards.

What's more, the Joven Account has no administration or maintenance fees and allows you to make transfers with no fees.

The pre-paid "BBVA Joven Antes Card" is designed so that you can top it up with the amount you want to spend. The debit card is the “BBVA Joven Ahora Card”, which is used to pay for purchases immediately by charging against the money available in the account.

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BBVA credit card
Pay for your purchases over time with the Después Card and use it at over 6,000 ATMs.

As for credit cards, the “BBVA Joven Después” card allows you to pay for purchases the next month or in installments. Deferred payment over time requires payment of interest and bank fees.

You can find out more about the cards from BBVA by viewing the details in the catalog, which is found in the cards section at bbva.es.

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