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If you have no credit, the best thing to do is this:
Go to the bank you bank with or your parents bank and get a simple loan. Your parents will probably have to co-sign. Then open a student checking account at the same bank or where ever offers a free student checking. Deposit the loan money into there. Then call the bank from which you have your loan through and have them automatically debit THAT account for your monthly payment each month for AT LEAST 7 months. Most of the time, the automatic draft is a free service. This way, your building good credit and not having to worry about making your payments on time.
I should have taken my own advice, but about 9 Credit Cards later, i have finally learned my lesson. Thank god, ive had parents help me when ive been stuck. But I have them all paid off except for 3, which add up to about 7,000.
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