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 - Choosin, Mounting and Using a Bush Hog Type Mower - by Francis Robinson. Looking around at my new neighbors, most of whom are city raised and have recently acquired their first mini-farms of five to fifteen acres and also from reading questions ask at various discussion sites on the web it is frighteningly apparent that a great many guys (and a few gals) are learning by trial and error and mostly error how to use a very dangerous piece of farm equipment. It is also very apparent that these folks are getting a lot of very poor and often very dangerous advice fro
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