How to establish credit with a student credit card

Student credit cards can be a great tool, but students should inspect their credit scores before applying. A high credit score, like a high grade-point average, will make things easier in the future.

All lending institutions use credit scores to gauge whether you are a safe credit risk. It's therefore essential that students always pay at least their minimum payment, on time, and avoid late payments to build and keep a good credit rating. It is equally important to stay out of credit card debt as much as possible while in school.

A basic credit building tactic involves getting a student credit card and staying within the credit limit to purchase clothing, school supplies, food and other essentials while at school -- and making prompt payments when the bills come due.

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Updated: 03-24-2019