Credit cards
are an essential key to establishing credit early in life. Most
companies target college students because they're unemployed and
desperate for quick access to cash. Though credit cards are an easy
solution to a temporary situation, college students should'nt fall
prey to credit card companies so early in life. Most
collegestudents, especially freshmen, aren't mature enough to
handle that much responsibility. Credit cards do more harm to
college students credit than good.
Establishing credit is an extremely important factor in life.
The american dream is to build your credit, buy a home, and build a
family. Students who begin to use credit cards in their college
years may never get to live that dream because they ruin their
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Most college
students choose not to work for the first year of college to focus
on their studies. This leaves the parents responsible for paying
the credit charges that build up and if they aren't paid on time,
interest fees are added to the bill making it more expensive.
Missed and late payments are all negative marks on a students
credit report resulting in bad credit. College students have enough
on their plate without adding on bad credit.
Student loans are another huge reason why college students
shouldn't apply for credit cards early in life. After graduation,
students only have a grace period of six months before they have to
repay loans that could amount to thousands of dollars. The stress
of making credit cards payments and student loan payments may be
too much for a college student to handle as a new graduate. Most
graduates only make an entry level salary until they've gained a
few years experience in their career choice. Failure to pay student
loans result in owing the government which is a problem that
everyone should
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