Quote:
Originally posted by Lady Pi Phi
Amen to this. I learned this the hard way and got my self into a bit of trouble. As a college student you don't need to purchasing large items that require a cfedit card. If whatever you're paying for requires a credit card, ask yourself do you really need this. People will take cash. And in this day and age, you don't need to carry around cash. I use my debit card for almost everything.
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Actually - sometimes you do. You will need a credit card to buy plane tickets to visit family or go on spring break or other vacations - these days especially, paying cash for airline tickets is a big red flag. You also need a credit card to rent a car, or to buy a computer.
(In theory, you could use a debit card for these things, but you do need some form of plastic - and with a debit card, you can overdraw your account and not even know it until it's too late, especially if you have overdraft protection.)
It's also a good idea (IF you can control your spending) to get a CC as soon as you turn 18, to establish a good credit rating. If you're in college, you don't have to submit to income verification, just prove that you are a college student. This will help enormously down the road when you want to finance a car or take out a mortgage.