Charge smart

One of the best lessons you can learn as a college student is how to use a credit card responsibly. Resist the urge to treat your new college student credit card as free money. See it for what it is--a high interest loan that can turn an innocent splurge for a night out into a huge bill that will take too long to pay off. Responsible use of college student credit cards includes paying the credit card bill before it nails you with high interest fees. Get a college student credit card, but use it for emergencies and easy-to-pay-back purchses only.