When I was in college, getting a credit card was not possible. In fact, it was quite difficult for most people. I did not have a Visa card until I was 26 and had been out of school for four years; even then I was rejected the first time I applied to my bank for lack of credit history. I wrote back pointing out that I had a mortgage with them for over a year and that should be more than sufficient credit history. A week later I had a card in the mail.
Today, things have really changed. You need a credit card to do the most simple transactions: renting a car or hotel room, for example. So it is important to get a card as soon as you feel that you're responsible enough to handle it. Your best bet will be with your bank or credit union. The "teaser" offers from the big outfits may be attractive, but there will be a price to pay on down the road.
Now it's been said that a credit card doesn't help your credit rating if you pay off the balance each month. Maybe so, but it sure doesn't hurt it. The card company will still report that you made your payments on time, that's what counts.
Last: Remember, you are a starving college student. Live like one, pay cash whenever you can, pay off your card balance each month and you'll have no problems. If you finance a trip to Cancun on your card, you'd better enjoy it 'cause you'll be paying it off until you're thirty.
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Today's Featured Article - Product Review: Black Tire Paint - by Staff. I have been fortunate in that two of my tractors have had rear tires that were in great shape when I bought the tractor. My model "H" even had the old style fronts with plenty of tread. My "L" fronts were mismatched Sears Guardsman snow tires, which I promptly tossed. Well, although these tires were in good shape as far as tread was concerned, they looked real sad. All were flat, but new tubes fixed that. In addition to years and years of scuffing and fading, they had paint splattered on
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