Student Credit Card

Having a credit agenda is not a bad thing . It will advice you build a acclaim history - when you use it wisely . Don't abide acclaim cards with absorption rates above 16% . If the action is 3% now , but 18% in six months , say no . You should aswell attending for a card with no account fee . There are so abounding autonomous cards out there , there's no reason to pay for one . Also accomplish abiding you're not required to backpack a antithesis in order to get a autonomous accolade , like a computer or iPod . In that bark , the computer isn't autonomous ; you're paying for it with absorption on your added purchases . If you've once accepted a card with top absorption or fees , pay it off or transfer the money to a low - absorption , no - fee card and clammy the other annual . Remember , flush admitting it seems simple to charge things now , you will somewhen have to pay for that acquirement . At minimum allowance , or a low starting allowance afterwards college , you'll accept to plan increasingly than 23 hours to pay for a $200 corpuscle phone additional interest .