I have no credit but want to build some I’m a student but I go to a tech school so I cannot get a student loan. What’s the best way to build my credit?
Answered on Monday, September 13th, 2010 by
Updated: September 13th, 2010
Amy Miller
The content is accurate at the time of publication and is subject to change.

Credit cards for college students can help you build credit. Though keep in mind that simply applying for a credit card does not help you establish credit. You need to learn how to manage your credit card responsibly to avoid debt and bad credit history in the future, so that they do not affect the things you want to do. When applying for an apartment, car loan or a job, you want to have a positive credit history. And even more so you want to be free from debt. So, before you apply for a credit card, make sure you choose the right one for your individual needs and current credit rating (visit student credit cards section of our site to compare best offers). Remember that you are responsible for paying your card bills and all records stay on your credit report for several years. Make all your payments on time, pay the balance off if you can to keep charges to a minimum, use credit card only if you are sure you can repay. Read terms and conditions carefully, find out what your interest rate will be after the intro period is over, if you make a late payment, or miss one. Pay attention to the cash advance interest rate. Avoid making impulse purchases on your credit card, rather save it for emergencies. Consider also using a prepaid debit card so that you do not spend more than you have.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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