i know some people say get a credit card for purposes of an emergency...but i wouln't get one just yet if i were you...check cards do just fine as far as convenience...renting cars...or whatever else you need to do...you should have some savings set aside for emergency purposes and not be leaning on borrowed money when you don't have to...school loans are different and you can start paying on them as an undergraduate if you just want to start establishing your credit with something...credit cards are a bit too tempting during college and you might wind up with more than you bargained for...credit destruction instead of building a solid credit record...if you can't afford to pay cash...and its not for an education, a house, or a car...you more than likely don't need it until you can put up the cash...
[This message has been edited by CelestialBlu1 (edited July 03, 2001).]
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