College students discuss the benefits of owning a credit card, including convenience, as a backup source of money and for dealing with emergencies.
What’s the best thing about having a credit card?
WOMAN 1: For me it would probably be two things: Convenience and the ability to purchase things online.
MAN 1: You don’t always have to have cash on you.
WOMAN 2: You don’t have to count change, and you can carry it in your back pocket.
WOMAN 3: It’s a lot more convenient to pay your bills.
WOMAN 4: Well it’s always there to like, rely on and I guess to use as a backup fund.
Do you use your card to shop online?
MAN 2: Yes, I use it online quite a bit. Um\u2026Itunes\u2026uh, Amazon.
WOMAN 2: The whole reason why I bought a computer is so I can shop online [laughs].
MAN 3: I prefer to buy things online just because you can compare, contrast so many different things so quickly.
WOMAN 4: I used to be so bad at shopping online that I knew my whole credit card number by heart. It hasn’t been that bad in a while [laughs].
What is a credit card emergency?
WOMAN 5: If I need gas for my car, or\u2026if I’m studying really late at the library, and I don’t want to go home and cook something, then\u2026I’ll just have to eat at a restaurant.
MAN 4: Transportation, and lodging, especially, \u2018cause I’m traveling all the time. Say I get stranded, \u2018cause it’s happened several times, with our airport system. Get stuck in a hotel or without a car and I need something, so, a credit card helps out.
What’s the best purchase you’ve made with a credit card?
WOMAN 3: I bought a ticket for, um, Cirque de Soleil. I probably wouldn’t have bought it if I didn’t have a card, um, so, yeah, that’s probably the best thing, because it was a really great show, so, I’m glad I did use it.
Take charge of your credit cards.
College students discuss the benefits of owning a credit card — convenience, backup, and dealing with emergencies.