Students, start now by applying for student credit cards. There are great student credit cards to review. |
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Student Credit Cards
Student Credit Cards to Build Your Credit HistoryStudent credit cards are great as they can help you build or establish your credit. Credit cards must be used responsibly. This means you must not charge more than you can pay back. Be sure to set a budget for spending using a student credit card.
Credit Card Tips for Students: * Never charge more than you can repay. * File Statements in a 3 ring binder. * Highlight tax deductions on statements each month. * Review statements for unnecessary expenses. * Use credit card statements to set up a budget for spending. * Look for charges you did not make and contact the credit card company fast. * Don't carry student credit cards when you are not using it to prevent loosing the card. * Don't sign for a fellow student to get a student credit card under your name, you will be responsible for their charges. * Learn to budget, it is a life long skill. * Look for student card with perks, rewards, or cash back features you can use. * Don't leave your student credit cards laying around, file it when it is not needed. * Keep a record of the number and account number in case you must report it lost. * Don't discard any credit card statements, use them for tax purposes. * Don't help thieves, shred any personal information before tossing it in the trash. * Write down how much you must spend each week for bills and fun, stick to the budget. * Don't loan your student credit card to anyone for their expenses. * You are responsible for your student credit card charges unless you have a card under your parent's account. * Enjoy using a student credit card responsibly.
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Credit Counseling
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