Credit card tips for college students

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Congrats! You've graduated and are all set to navigate new experiences, including your first credit card probably.

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Establishing positive credit history will help you go a long way from getting a new car to renting a new apartment.

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1. If you don't know your credit score, check it for free. This helps track your progress and know your credit status.

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2. Prequalify before you apply: Ensure only soft inquiries are done. Once you're ready, apply and get a hard check.

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3. Pay bills on time: Keep your balance low. Don't miss a single payment or max out a credit card. Don't damage your score.

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4. Upgrade your student credit card: Instead of applying for a new one, you can ask your issuer to upgrade your card.

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5. Start earning rewards: Look for ways to earn and redeem rewards on your credit card. Look for the best offers.

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6. Stay in control: Don't overspend. Pay balances in full. Avoid carrying interest charges and don't get carried away.

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Understanding credit early in life and setting yourself on the right path is crucial to reach your financial goals.

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