Why It Is A Great Idea To Get A Student Credit Card

By Stephen Sikes

If you happen to be a student or are a parent of a student you will want to read this article about the benefits of getting a Student Credit Card now while you are young and not through College yet.

Many of my son’s friends are now getting out of school, have gotten good jobs and are wanting to move out on their own. Well, they all have one thing in common and that is no credit. It is very difficult to sign a lease on an apartment when they say you do not have enough credit and will need a co-signer. This also goes for a house or a car that you as a graduating student would like to now buy on your own with your large paycheck that you have worked so hard to get by going through school.

The problem is your parents probably did not want you to have a Credit Card in fear that you would not use it responsibly or just never thought about it. This is usually a false statement and most late teens and College Students can be very responsible in using a Credit Card if the parent sits down with them and explains the proper guidelines and rules to using a credit card to their benefit.

Many Student Credit Cards have low interest rates and no fees. Some have cash back and reward programs for everyday purchases. The key is to pay off the card each month and to learn how to plan and budget. The Credit Card can also be a good way to teach the Student budgeting and can help track their expenses each month so they can see where the money is going. It also provides a nice report that you as the parent can go through with them and give tips on planning and budgeting. You may learn something in the process!

The main reason is to build up their credit so that when they get out of College they will have some sort of good credit built up in order that they can get loans on their own for bigger ticket items. A Student Credit Card is a great way for them to establish this Credit History early and take on and learn to use them responsibly and to their advantage. There are many great Rewards programs using Student Credit Cards. Why not take advantage of this each month with items they normally have to purchase?

If you are in your last years of High School or a College Student talk to your parents or show them this Article and stress the importance of you getting a Credit Card now to build your Credit History. Just remember that the idea is that you build a good Credit History. Using it irresponsibly can hurt you and your credit history for years. With good planning and bill payment this won’t happen to you!

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