Avoiding More Credit Card Debt

Avoiding More Credit Card Debt and Finding a Card

When buying an item with your credit card, there are seven questions to consider before making the actual purchase:

ONE: Do you really need this item right now, or can you wait?
TWO: What is the interest rate on the credit card you're using?
THREE: Will there be any additional fees associated with this?
FOUR: Will you be able to afford the monthly payments?
FIVE: What will be the extra cost of using credit instead of paying cash?
SIX: What will you have to dive up of go without to pay for this item?
SEVEN: You've just asked yourself six tiring questions about a single purchase so is using credit for this item really worth it?

If you have yet to get a student credit card, ask yourself:

ONE: Am I properly educated on credit card usage?
TWO: Do I know what an APR is?
THREE: Am I aware that paying off my student credit card balance off each month will help build excellent credit as well as excelley spending habits?
FOUR: Do I really need a student credit card or can I pay for items with a debit card or cash?

For those college students who are ready for a college student credit card, you can compare the top student credit cards here or visit www.StuentCreditCards.com