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Why Your College Student Needs A Student Credit Card
By Jon Arnold
Even with the ready availability of a college student credit card, the majority of students going off to college these days do not have a clue how to handle financial responsibilities. When they needed money for something, they either asked their parents for it or they took it out of their savings from a job they are holding down while going to school. But the sad fact is that most of them do not have the first clue about handling financial or credit responsibilities.

You need to consider getting a college student credit card for your son or daughter when they go off to college or university. If you already have had a child in college, you know what I am talking about – even for as much as you plan, budget, research, and then plan some more, there is always SOMETHING else that comes up that they need money for. There is going to be that additional textbook, that very helpful study guide, those lab fees, parking sticker fees, and the list goes on. You sent your child to college to LEARN, and NOT to be stressed out by the financial obligations that are coming at them from every different direction every day.

Outside of the convenience for you and the much greater peace of mind for your child, there are other advantages to getting them a college student credit card. As they were growing up to this point, chances are great that they did not learn fiscal responsibilities. This is not something that you should beat yourself up about – with the hectic life of the high school student today, with soccer practice, football practice, band practice, various club meetings, an active social life, and of course the academics, there just has not been time in the day to approach that topic.

But at the same time, you want to give you child the best head-start possible when they graduate, especially in this very competitive and unforgiving ...

{PS school - In addition to the core schools, students in a given country may also have access to and attend schools both before and after primary and secondary education. Kindergarten or pre-school provide some schooling to very young children (typically ages 3-5). University, vocational school, college or seminary may be available after (or in lieu of) secondary school. A school may also be dedicated to one particular field, such as a school of economics or a school of dance. Alternative schools may provide nontraditional curriculum and methods. }

... business world. So why saddle them with learning about financial responsibility when they are stressing out about the job interviews, creating resumes, scanning classified ads, etc. When they are still in college is a great time to get them a college student credit card so they can slowly start to become used to getting regular monthly statements, learning about how little charges add up over the month, learn how interest accumulates if the balance is not paid in full, and how they will get stern yet firm telephone calls or emails from the card issuer when their payment is late. It is all part of the education process.

Establish a reasonable credit limit for them, which might be as low as $300 or $500. Do not allow them to have a huge credit limit until they have proven themselves as being financially responsible, because it is far too easy for them to get themselves into trouble with this aspect of “free money”. They will quickly learn that it is far from free.

The interest rate that they will get with their college student credit card is probably going to be higher than what you would get when applying for a credit card, but the lenders are taking a chance here, so do not blame them. After your child has demonstrated a good payment history for 6 months to a year, they can call the card issuer and ask for a lower interest rate, since once they have established themselves, then they have incredible power to be much choosier about whose card they carry.

Jon is a computer engineer who maintains web sites on a variety of topics based on his knowledge and experience. You can read more about College Student Credit Cards at his web site Student Credit Card Resources.

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