Student credit cards for college students

It is important to prepare college freshmen to know about the numerous student credit card offers they will be receiving while attending college. Many companies actually go to college campuses with "incentives" for students to fill out credit card applications. What these marketers often leave out is important information such as every time a student fills out a credit application, it goes against their credit report as a "credit inquiry" - which basically means this person is seeking credit. Too many credit inquiries can hurt, or lower a credit score. Don't apply for a student credit card on campus because someone is offering you a free pizza or some other incentive. Credit cards must be taken seriously and applying too many times will not make your credit report look good - some creditors will look at multiple inquiries as a person desperate just to get quick funds. Furthermore, one needs to learn the basics of good credit before applying for and using a credit card. A wise move is to sit down with your parents and go over the basics of student credit cards and what a credit score means. Credit cards can be useful tools if used wisely, and with a budget. StudentCreditCards.com is a useful site to learn good credit basics and compare multiple credit cards for college students, and you can do so with your parents when you decide you are ready ... and not because of pressure of free incentives on campus. College student credit cards come with varying APRs and different terms and conditions so read all the fine print.