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College students are the largest identifiable segment of first-time customers for credit card issuers — and competition for the college market is fierce.
Although the CARD Act made it illegal for credit issuers to swarm college campuses offering T-shirts and free swag, young adults will undoubtedly be exposed to numerous enticing credit card offers.
When used wisely, credit cards can help you establish a respectable credit history, and serve as a valuable asset for future finance opportunities. However, when handled improperly, the resulting debt can become a terrible liability that can linger on past graduation.
With this in mind, the following are the six things everyone should know prior to opening a line of credit. You should know:
The bottom line is simple. If you don’t have any extra money in your budget to repay the amount charged (including the interest!) within a reasonable time, you can’t afford to incur the debt.
How is debt impacting your life?
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