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Benefits Of A Student Credit Card

Jan 16, 2008
If you've been thinking about getting a student credit card for quite some time now and still haven't made the move. We are hoping by the time you read this article that you will make the next step to applying. Below, we've listed a few benefits of owning a student credit card.

Establishing your credit

The most important thing when it comes to adulthood finances is your credit history. Without a credit history, you will find that it's harder to get a car loan and/or home mortgage. Establishing your credit isn't as hard as you think. Sometimes it only involves a few purchases a month and as long as you pay off your bill in full, you shouldn't have a problem at all.

Making online purchases

In this tech age, a lot of your purchases can be made online. In fact, any item you see in a store, you can probably find even cheaper online. Why is this? Online stores usually don't have a store front that eliminate a lot of their expenses. With a credit card, you can now make your purchases online and have your product show up right on your doorstep. It doesn't get any easier than this!

Feel safer

Have you ever walked around town with a few hundred dollars in your pocket? We all know that this isn't the safest thing to do. If you get robbed or you simply lose your wallet, you're going to lose all of that money and you'll never see that again. With a credit card, you'll be able to simply cancel it by calling the toll free number on the back. If someone decides to use your credit card, you will only be liable for the first fifty dollars.

Get rewards

Every time you buy something in cash, you're not getting anything for your money. You're simply handing over the cash and you'll never see it again. With a lot of credit cards these days, you actually get something for the money you spend. Whether it's getting points for a new stereo system or points toward an airline tickets, you're getting something for every dollar you spend.

Hopefully by now, you will understand that there are so many benefits when it comes to a credit card. The most important thing that matters when it comes to using your card is that you're financially responsible with it. It's always best that you don't spend more that what you have. If this starts to happen, you will find that you will be joining a lot of America and find yourself in debt. This is something that you don't want to do.

In order to avoid debt, you will want form a budget and stick with it and make sure that you pay off your bill in full each month. If you can't pay off your bill in full each month, stop making payments. You're only going to hurt yourself. If you think you're up to the financial responsibility then you should apply for your first credit card.
About the Author
Tom Tessin runs FINDcollegecards.com which focuses on student credit cards.
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