Despite the middling economy, a number of credit card companies continue to offer generous 0% APR balance transfer deals and some companies have straightforward offers that last a full 18 months.

Building and maintaining good credit is more important today than ever. Whether we realize it or not, so many parts of our daily financial lives revolve around our credit scores. But don’t fret — abide by these five must know credit tips for students and you shouldn’t have any problems at all.

An instant response will be provided within 60 seconds of completing an online credit card application or prepaid card application. Don’t wait for an answer, receive an instant credit card response today!

With the average FICO credit score estimated at 690 (the highest possible score is 850), chances are most Americans wouldn’t mind some advice on how to improve. Of all consumers, just 25 percent have managed to achieve a score of 785 or higher.

Anyone who has recently applied for a mortgage knows that lenders are already looking much more closely at your financial affairs. But soon, they’ll be able to easily delve into the deepest recesses of your financial life, accessing information that never before appeared on your credit report.