Once you hit your college years the talk of credit cards becomes more familiar.  You will here about the great ones you can apply for, the most popular ones, and the many benefits that come along with getting one.  Most people say “Don’t get a credit card, they’re dangerous.”  Although that can be true, but so can everything else.  Yes, if you’re going to get a credit card you should be responsible but that should be every student that is in college.  If you keep in mind that a credit card isn’t free money and that you’ll need to pay it off eventually you will be just fine.  A credit card can be very beneficial if you use it right.  What are the perks?  Read below and find out what you’ve been missing out on and could earn in the future. 

Credit Card Points- When you use a credit card you are often awarded a bonus point for every dollar you spend.  If you go to the sponsor of the credit card company like “Thank you network” you can see how much they have to offer.  Once you get enough points you can redeem them for personalized gifts as a thanks for just using your credit card.  You can get anything from traveling discounts, to gift cards for shopping or gas gift cards, anything you can think of. 

- Often credit cards have promotions as well.  Sometimes for example they will say, “shop at certain stores like bookstores, retail stores, restaurants etc. and earn 10x the points for every dollar spent.”  So if you spend just $50 when school shopping you’ve just earned 500 points!  The average rate to get a gfit card is 3,500 just do that a couple more times with your daily spending and you’ll be rewarded a ton of gifts on a regular basis.

Rewards for good grades – Some credit cards even reward you for just getting good grades.  Simply send in your transcript for proof and you’ll get rewarded a ton of points!  Put those points toward gifts and feel even better about getting good grades.

Teaches you responsibility – Every adult and parent has a credit card these days.  Why?  Because people know how beneficial they can be at times.  Credit cards are a great way to learn responsibility.  They teach you to save your money, not spend every dollar you make, and pay bills off on time.  Once you get a house, a car payment and every other bill under the sun you will be prepared already, and know how bills work.

Emergency case – What happens when you car dies, you’re stranded on the side of the road and you don’t have enough money on you to pay the guy that’s going to fix your car?  Or what if your tire pops and you’re in need of a tire but you don’t have enough money on your debit card?  This is where a credit card comes in very handy.  Credit cards are great for an emergency and can help you out tremendously when you don’t have the money on you.

Build Credit – Getting a credit card as a student is a great way to build credit.  What does building credit mean?  When you get ready to settle down and buy a house, or even a car often a person doesn’t have all the money needed to pay up front.  That is where loans come in.  If you can prove that you have good credit you have many great advantages.  You can get loans for more money at a time and lower interest rates. 

Convenience factor – Often a credit is nice because of the convenience factor as well.  If it’s a cold, wintery day and you need to get gas it is much nicer to just swipe your card then run across the parking lot to pay the clerk.  They are also nice because you don’t always need to keep a ton of cash on you.  Almost every store lets you pay with a credit card. 

Stolen Money – Once you get a credit card you can say goodbye to stolen money. You no longer have to worry about keeping a ton of money in your wallet that can easily be stolen.  So now you may worry about getting your credit card stolen?  Well, if that happens companies make you liable for usually only $50 which is a lot better than maybe the couple hundred dollars you had in your wallet.  Even better yet, some credit card companies don’t need a dime from you.  So if someone stole your credit card and they charged something worth a thousand dollars you could either pay maybe $50 or not a penny.  When you have cash, it’s gone for good!

As you can see there are so many benefits of getting a student credit card.  Student credit cards are great for many reasons, rewarded gifts, building credit, learning responsibility, no more worries on getting money stolen or lost, and the convenience factors.  Sign up for a credit card and you’ll see how many benefits come with having one!

Where can you sign up for a credit card?  The website, www.findcollegecards.com is a great way to start your credit as a college student!  It is safe to use, easy and helps better understand the answers to the questions you may have!