Any older adult can tell you that when you’re in college, you have so many things on your to do list, that your head spins and sometimes, the last thing you want to do is do research on things you shouldn’t have to. Today, I’m going to show you some simple ways on how you can start building credit and where you can find these cards in order to start gaining adult financial responsibilities.
A credit card is a great way to start you financial adulthood. It will allow you to build your credit, which in turn will help you receive car loans, mortgages, and any other type of loan in the future. It’s important to remember that you shouldn’t treat the card like it’s a piece of plastic but instead, you should treat it is as if it’s your future. This means you should pay it off in full each month, and only spend what you can afford month after month. If you can accomplish this, you will be on the path to a debt free future. Now, let’s get on to the good stuff.
The college campus – I’m sure by now if you’re attending school or you’re about to, you see a credit card company on campus every single day. While a nice t shirt or free burrito sounds nice when you apply, you have to remember that you can only have options to the one credit card they are offering. You’re going to want to stay away from these tents because like anything else you see in life, there are choices! Let’s say there was a booth with one t shirt and they would give you this t shirt if you gave them $10. The first thing you’re probably thinking is, “well, there are millions of other shirts out there, why would I just go after this one?” We can use the same concept with the credit card. If you do you research and find that particular card is the one for you, and then I say sign up for it and take advantage of the freebies.
The internet – In my opinion, the internet if the best place to find your first card. All it takes is a little search on a search engine like Google. Phrases such as “student credit cards” or “college student credit cards” will show you a list of wonderful sites that layout every card you’re eligible for. This is the best way to browse through them and see exactly what you like. You’ll soon find out that there a lot more cards designed for you than you thought.
Your friends – If you know of some friends or relatives that recently went to college, this is a great opportunity to ask them what kind of card that they applied for. Ask them if they like it and how the customer support is, etc. Most of the time, you’ll get a good understanding if they like the card or not. If you receive a positive response, see if the car suits your needs.
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