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etico","https:\u002F\u002Fwww.sellapersonalcredit.it\u002Fapi\u002Fasset\u002F48D27360-1479-4883-A71D-5DCB8CD573EF",{"label":196,"link":197},"Whistleblowing","\u002Fwhistleblowing",{"label":199,"link":200},"Accesso DOL\u002FValigetta","https:\u002F\u002Fsecure.sellapersonalcredit.it\u002Fd-consel\u002Flogin\u002Fhome",{"sort":122,"title":202,"items":203},"Seguici sui social",[204,207,210,213],{"label":205,"link":206},"LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Fsella-personal-credit\u002F",{"label":208,"link":209},"Facebook","https:\u002F\u002Fwww.facebook.com\u002FSellaPersonalCredit",{"label":211,"link":212},"Instagram","https:\u002F\u002Fwww.instagram.com\u002Fsellapersonalcreditspa\u002F",{"label":214,"link":215},"Youtube","https:\u002F\u002Fwww.youtube.com\u002Fchannel\u002FUCyPox7M1n_YXRIfoAzTy0kw",{"sort":125,"title":217,"items":218},"Collabora con noi",[219],{"label":220,"link":221},"Lavora con noi","https:\u002F\u002Fjoin.sellagroup.eu\u002F",{"id":6,"title":223,"description":224},"\u003Cp>Sella Personal Credit S.p.A\u003C\u002Fp>","\u003Cp>Società soggetta all’attività di direzione e coordinamento della Banca Sella Holding S.p.A\u003Cbr>Via V. Bellini 2 - 10121 Torino\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>PEC: \u003Ca href=\"mailto:sellapersonalcredit@actaliscertymail.it\" target=\"_blank\" rel=\"noopener\">sellapersonalcredit@actaliscertymail.it\u003C\u002Fa> \u003Cbr>Società Appartenente al Gruppo Iva Maurizio Sella S.A.A con P. IVA 02675650028 Cod.Fisc. \u002F Num. iscrizione presso l’Ufficio del Registro di Torino 02007340025 R.E.A n. 948365 \u003Cbr>\u003Cbr>Capitale sociale e riserve: euro 148.105.739,42\u003C\u002Fp>",{"isFeatured":18,"id":226,"status":227,"slug":228,"title":229,"excerpt":230,"reading":231,"imgAlt":233,"images":234,"publishedAt":238,"cat":239,"tag":241,"href":242,"related":243,"seo":244,"template":247,"templateData":248},88,"published","il-credito-per-studenti","Il tipo di credito più adatto per gli studenti","\u003Cdiv>Diciamo la verità, il periodo universitario può essere tanto arricchente sul piano intellettuale quanto sfidante sul piano economico. Soprattutto per gli studenti fuori sede, che alle spese per lo studio aggiungono quelle per la casa in affitto. Senza contare le uscite “di routine”, come trasporti, serate con gli amici ed eventuali viaggi; o le spese impreviste. Un lavoro part-time potrebbe non conciliarsi con la vita da studente o non essere sufficiente a coprire tutti i costi.\u003C\u002Fdiv>\n\u003Cdiv>L’attivazione di una linea di credito o di un prestito potrebbe essere la soluzione ideale: basta sapere su quale tipologia orientarsi.\u003C\u002Fdiv>",{"minutes":232,"words":232},0,"Immagine di sfondo",{"desktop":235,"mobile":237},{"jpg":236},"\u002Fapi\u002Fasset\u002FA69797DB-813D-435F-944C-4297F6B4929E",{"jpg":42},"2026-07-15T10:44:19.536Z",{"id":6,"title":168,"slug":240},"educazione-finanziaria",[],"\u002Fblog\u002Feducazione-finanziaria\u002Fil-credito-per-studenti",[],{"title":229,"description":245,"noIndex":18,"noFollow":18,"evIMG":246},"L’attivazione di una linea di credito o di un prestito potrebbe essere la soluzione ideale per il periodo universitario: basta sapere su quale tipologia orientarsi","https:\u002F\u002Fwww.sellapersonalcredit.it\u002Fapi\u002Fasset\u002FA69797DB-813D-435F-944C-4297F6B4929E","minimal_cover",{"altImage":49,"descriptionHtml":249},"\u003Cp>Diciamo la verità, il periodo universitario può essere tanto arricchente sul piano intellettuale quanto sfidante sul piano economico. Soprattutto per gli studenti fuori sede, che alle spese per lo studio aggiungono quelle per la casa in affitto. Senza contare le uscite “di routine”, come trasporti, serate con gli amici ed eventuali viaggi; o le spese impreviste. Un lavoro part-time potrebbe non conciliarsi con la vita da studente o non essere sufficiente a coprire tutti i costi.\u003Cbr>\u003Cbr>L’attivazione di una linea di credito o di un prestito potrebbe essere la soluzione ideale: basta sapere su quale tipologia orientarsi.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Credito per studenti, le opzioni\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Prestito personale e credito ricaricabile sono le principali soluzioni di sostegno per la gestione di spese ingenti. \u003Cbr>Uno studente può richiedere un prestito per pagarsi le rette universitarie senza l’aiuto della famiglia: proprio a questo scopo esistono forme di prestito per le quali il richiedente non è tenuto a presentare il reddito percepito, ma soltanto a dare garanzia del proprio impegno nello studio. Si parla in questo caso di “prestito d’onore”. \u003Cbr>La linea di credito funziona diversamente: la banca fornisce un importo iniziale, che viene associato a un conto corrente oppure a una carta di credito o debito; il richiedente attinge alla riserva di denaro nei tempi e nelle modalità che preferisce, in cambio del versamento di una rata mensile. Grazie al rimborso, il credito si ricarica ogni mese.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Come avere una linea di credito\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Attivare una linea di credito è molto semplice. Prendiamo ad esempio GO!Credit, il credito di Sella Personal Credit: come per i prestiti personali, la richiesta può essere fatta online, dall’Area Clienti o tramite APP sullo smartphone. I requisiti minimi sono l’assenza di impedimenti per l’accesso al credito, la residenza in Italia e la maggiore età. \u003Cbr>Per prima cosa è necessario registrarsi se si è un nuovo cliente, o accedere al proprio account se si è già cliente Banca Sella. Dopo aver creato l’anagrafica o inserito le credenziali di accesso, si dovrà poi cliccare su “Inizia la richiesta”, caricare i documenti necessari e confermare. \u003Cbr>Successivamente Sella Personal Credit valuta la richiesta e fornisce un riscontro sia in caso di esito positivo, sia in caso di esito negativo.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>Come avere una carta di credito senza busta paga\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>Solitamente chi non ha ancora un lavoro ma vuole effettuare prelievi e pagamenti digitali si orienta verso l’acquisto di una carta di debito; infatti, per ottenere dalla banca una carta di credito è necessario presentare il proprio reddito. \u003Cbr>Esistono tuttavia persone che godono di entrate costanti pur senza percepire una busta paga: potrebbero essere giovani che ricevono un assegno di mantenimento, oppure \u003Ca href=\"https:\u002F\u002Fwww.money.it\u002FLibero-professionista-autonomo-differenza-chiarezza-dl-Cura-Italia#:~:text=La%20differenza%20%C3%A8%20quindi%2C%20ribadiamo,entrambi%20non%20subordinati%2C%20quindi%20autonomi.\" target=\"_blank\" rel=\"noopener\">lavoratori autonomi \u003C\u002Fa> o \u003Ca href=\"https:\u002F\u002Fwww.money.it\u002FLibero-professionista-autonomo-differenza-chiarezza-dl-Cura-Italia#:~:text=La%20differenza%20%C3%A8%20quindi%2C%20ribadiamo,entrambi%20non%20subordinati%2C%20quindi%20autonomi.\" target=\"_blank\" rel=\"noopener\">liberi professionisti\u003C\u002Fa>. Uno studente che rientrasse in una di queste casistiche potrebbe fare richiesta di una carta di credito per gestire le proprie spese.\u003C\u002Fp>\n\u003Ch3>\u003Cstrong>CartaOpta, la carta di credito di Sella Personal Credit\u003C\u002Fstrong>\u003C\u002Fh3>\n\u003Cp>CartaOpta è una carta di credito particolarmente flessibile: è revolving, ovvero ricaricabile, e per ogni acquisto consente di scegliere se rimborsare a saldo o a rate. Come avviene per una linea di credito, rimborsando le rate mensili, si ricostituisce il valore iniziale della carta. Un’altra comodità offerta dalla carta è che non presenta costi di emissione ed è gratuita per i primi due anni.\u003C\u002Fp>"]