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back Featured
Article - Student
Credit Cards: Basic Guide | Many students
start becoming consumers of credit when they get their first student
credit card in college. Student credit cards can give them a highly
convenient way of making purchases; however this is also a time of great
responsibility as they start their first endeavor into money
management. You need to be careful when using your student credit
card. This is the time you start building your credit report which will
come into play when you start needing money to buy a house or a car. It
is very easy to misuse credit in college. Usually it is very expensive
being a college student nowadays and it can be hard to keep track of
bills and pay them on time. However a student credit card can
also be very convenient. It can teach you better money management
skills. If you work hard you can start building a solid credit score.
Students can also avoid carrying around cash. Many student credit cards
offer protection incase the card gets stolen or lost. There is
much choice for students when it comes to selecting a card. The first
thing when choosing a student credit card is to find one with a low APR.
Many student credit cards will even allow you to accumulate
points from your purchases which you can redeem for DVDs, books, CDs and
other cool rewards. If you misuse your student credit card and
keep making late payments, you will be under a huge debt burden when you
graduate and need to buy a home or a car. Student credit cards are not a
student loan. Consider them as high interest loans which you should pay
off immediately. On the other hand by properly managing your
payments, you can have a good credit score when you graduate. If you
make your payments on time, you can also avoid the interest charges. Be
careful of the late fees on your student credit card.
Read
this article in it's entirety by clicking HERE.
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