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Student Credit Cards 101 If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on? - Because financial debt is one of the main reasons that many students end up dropping out of college.
- Because your college years can be some of your most memorable-and some of your most costly.
They don't, however, have to be the beginning of an adult life strapped with debt. - Although you may still feel in limbo between your teen years and adulthood, it's time to take charge of your finances and manage them as an adult.
The sooner you do, the sooner you'll be able to start saving and spending your own money.
For those new to credit cards and for others who know all about credit, let's go back to the basics. Why do credit card companies court college students? It's obvious by the friendly representatives who offer a free t-shirt or CD just for signing up in the student center. Or the applications slipped into bookstore bags. Or mail boxes crowded with card offers. Credit card companies want college students to carry their card. Did you ever stop to wonder why? One reason is loyalty-once a person has a card in their wallet, they are likely to keep that particular card and its upgrades for years to come. Another reason: college students are good customers. While this may seem ironic considering that most college students are without a steady source of income, Robert Manning, Ph.D., Professor
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