How to use a Credit Card in College

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credit cards

College students should not only be on the lookout for student loans but also credit cards.

You see, credit cards are an easy way for people to make purchases using borrowed money from a creditor, usually a bank.

A credit card allows the cardholder to instantly buy products or services online, on the phone, or in person.

Most people get credit cards to build a credit history. In today’s day and age, businesses, economies, and individuals are highly dependent on credit to make purchases and financial decisions.

If you lack a credit history or have poor credit, opening a credit card while practicing responsible financial behavior is a great way to build or even rebuild your credit score.

When I was a sophomore in college, I decided to get an Amazon credit card to start building my credit score.

A credit score is a number between 300 and 850 that will depict a consumer’s creditworthiness.

credit score 300-850

The higher a credit score, the better a borrower looks to potential lenders.

Although building good credit might not seem like a priority when you are in college, down the road, a good credit score will help you get a better deal when you:

  1. Finance a car
  2. Lease a vehicle
  3. When you look for a house or an apartment to live in.


  1. Free Online College Prep Training “15 Secrets to go to College with Scholarships”:
  2. Presentación en Línea Gratuita “15 Consejos para ir Becados a la Universidad”:

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