It is important for college students to take credit seriously and not lightly. Learning the basics of good credit is a valuable tool to help sharpen, or better one’s credit score. A budget is of the utmost importance, but what is even more important is sticking to that budget. A game plan of charging only what you can afford to pay off each month is a good rule of measure when utilizing one’s credit card. It might be tempting to fill out an application for credit on campus in order to get a free giveaway, but each time this is done it goes on one’s credit report as a credit inquiry. Many banks have programs offering a credit card for students. It usually has a lower spending limit, which is essentially in the best interest of the student. Lower initial interest rates, or annual percentage rates usually come with a student credit card as well. It is important to note how much the late fee is on a specific credit card when considering options. Another factor to consider is a cash back incentive. It is important to take one’s time when shopping for a first time credit card. There are many credit offers out there for college students, it’s not like they’re going away. On the internet, much information is out there to learn the basics of credit, be it via a credit cards blog or visiting the home pages of Visa or Mastercard. Taking notes on different credit card offers, highlighting important points mentioned above, as well as over-the-limit charges and co-signer options are important variables when selecting a card.