Student Credit Cards and School Supplies

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                                             Student Credit Cards and School Supplies
                                                                    By Tom Tessin

   Since students find that often they do not have enough money to buy all the supplies that they need
during the course of the year many times a credit card is used to make up the difference. When you do
select a card you should make sure that you are not paying out high interest and other fee’s that cost a
lot. Many students prefer getting a credit card that offers them perks that they can use while in college
and after graduation.

 The credit card companies are getting smart in offering the student a credit card that will give them
points that they can use in the college book store to buy other supplies or text books. Many students
get hooked on this idea and forget that after graduation they will not want this card for this purpose but
for other reasons. You should make sure that your points are useable not in the book store, stores
around campus and other local places but the points can be used for such things as:

• Travel reward points
• Motels
• Rental cars
• Clothes
• Electronics
• Other items

 It is not uncommon for a college student for the college student to travel over spring break or during
the summer months needing the travel reward points for motels or airline miles. A student may find that
they need new shoes, a coat, and gloves or perhaps sports equipment many things are possible for
college student’s needs that is why it is important that your student credit card can be used for a variety
of things in a variety of places.

 When it comes down to using your credit card for college related purchases, you have to be careful
since you’re going to be new to the ball game. When you’re using your card for the first time, there are
some things that you have to remember. The first thing that you need to remember is that you need to
pay your card off in full. By paying your card off in full, you’ll be able to avoid those necessary interest
rate charges. This way, you’re not going to be surprised by your credit card bill.

 The next thing that you need to keep in mind is that you should never buy what you can’t afford. Make
sure that you always make a note of what you can afford and you can’t. You have to treat your card as - Bad Credit Loans
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if it were cash. If you don’t have this mindset, you’ll find that you’ll be in debt in no time.

 A credit card for students is a great way to build up rewards, get credit, and more. Just make sure that
when you buy these necessary supplies, you follow my golden rules. Just by doing so, you’ll soon find
out that you’re going to be able to manage your money a lot easier than the guy next to you. Be
responsible, use your card wisely, and you shall have no problems when it comes down to finances.

Find some of the best student credit cards to buy your supplies and more of Tom's work all at

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                      Are College Student Credit Cards a Nightmare Waiting to Happen?
                                                           By Sean Masterson

? If you have ever set foot on a college campus, you know that applications for college student credit
cards can be found around every corner. In fact, the sheer abundance of them leads many students to
believe that these cards are a normal, everyday part of student life. Before you go jumping onto the
plastic bandwagon, however, there are a few things you need to consider...

They're Not Your Friends

The companies offering college student credit cards are not your friends, and they're definitely not your
guidance counselor. Remember, any advice given by these companies or any information distributed
by them will be provided with a slant.

These companies have one goal in mind -- and that's making money. The more money they make off
of you, the better. Sure, they want you to be a responsible card holder and they want you to pay your
bills on time, but they also want you to rack up debt so you can pay interest over the years. You need
to keep that in mind when considering any student credit card offers.

You Have To Pay Them Now

Unlike your student loans, you have to pay your college student credit cards off while you're in school.
Student loans don't kick in till after you leave school. Student credit cards kick in immediately.

Unless you can swing a job as well as your studies (or mom and dad are willing to foot the bill) you
need to be very careful what you pay for with credit. Those small charges can add up quickly, and they
can actually put you in financial ruin before your financial future has even started.

The Upside

So, does that mean college student credit cards are all doom and gloom? No, absolutely not. It's just a
matter of handling them responsibly.

A student credit card can be a great way to secure your credit rating before actually going out on your
own. If you manage your cards responsibly, you can have good credit right out of school and getting a
car and/or apartment won't be as much of an issue for you as it is for some students.

Just remember, the moment that credit card is in your hand you become responsible for your financial
well being. Don't blow it. As they say, with great power comes great responsibility and college student
credit cards are powerful (and potentially dangerous) tools.

For more tips on student credit cards, saving money and avoiding getting taken, check out, a website that specializes in providing credit card tips, advice and resources.

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Related eBooks:

Are College Student Credit Cards a Nightmare Waiting to Happen?
College Students And Affording School Supplies
What Sets A Student Credit Card Apart From Other Credit Cards
Establishing Credit Though Student Credit Cards
College Students Should Have A Student Credit Card

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