Establishing credit is important because it may be considered when you apply for a car loan, rent an apartment or apply for a job.
You do not need to make big purchases to establish credit. Just make small purchases and then pay them off.
Start with one or two cards that are right for your needs, and always pay on time.
To avoid additional interest charges, you should pay your entire balance each month.
Many student credit cards offer free online tools to help track and manage your spending. Some offer e-mail or text reminders and automatic bill payment options.
You can apply for a credit card online or by mail if you’re at least 18 years old.To apply for a card over the phone, you must be at least 21.
If establishing credit is important to you, you may want to apply for your own credit card.
Some student cards offer rewards, which can come with points or cashback.
Use your resources. Ask your parents. Ask your friends. Check online resources like this Student Center where you can compare cards.
