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Dos and Don’ts of Getting a Student Credit Card

Although credit cards are a privilege, they can easily lead to a financial disaster. Most experts believe that young students should not be given credit cards. At the same time, others believe that it will be good to begin early with a credit card so that students can build a credit history and learn to manage their finances responsibly. Here are some dos and don’ts of student credit cards that will help you understand the nuances even better.

Dos
Get a student credit card when you are in college. Most banks love the idea of a giving a credit card to individuals with no credit history. Anyone above the age of 21 is eligible for a credit card without any hassles. If you are below the age, you will need a cosigner so that the bank is assured that you will pay the money back.

Use your student credit card to build a good credit score. A student credit card can pave the way for all your future loans. Be a responsible person and use this card to balance your cash flow rather than building up credit. Pay your dues on time, without missing a single date. How well you manage your student credit card will decide how easily you can get a home loan or a car loan in the future.

Most student credit cards offer a small amount of credit every month. Stick to that amount and avoid applying for multiple credit cards just so that you get access to more money. Credit is a concept that is difficult to manage, so learn the basics with a small amount. Once you have successfully paid your credit card for the first year, ask to increase your credit limit. Most banks will be happy to do that if you managed well initially. A higher credit score makes it easy to build a credit score.

Don’ts
Never buy the first credit card that is offered to you. Take time to research and make a calculated decision. Never use a student credit card as liberally as you use cash. A credit card debt will ruin your financial future. Do not make the mistake of paying just the minimum amount due every month. The amount that is building on your card is debt and the interest on it is extremely high.

Do not use credit cards for the amount you won’t be able to pay. Be realistic about your expenses. Credit cards can lead to a financial mess faster than you can think. So, be a responsible user and avoid going overboard with your expenses.

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