when should i get a credit card?

Doreatha Kjellsen: You can applying for a student credit card since it will help you create your credit history which you will need in the future especially in obtaining loans including car, housing or even cash loans.A great number of international students and scholars find it really difficult to obtain a credit card since they lack a credit card history. In order for them to build a credit card history they should have a credit card or at least have a history in paying off debts of whatever type....Show more

Tereasa Sorensen: It would not be a bad idea to apply for one right now, if you do make sure you apply for a student credit card these cards have no annual fee so even if you have one and don't use it you won't have any fees plus they have low interest rates, Discover is one of the best ones, check out www.fastcreditcardapprovals.com under student cards here you will be able to compare them side by side

David Kuper: Depending on your use of money, credi! t card can be a good/bad thing for your college life. Different card credit comes with different facilities and you will need to chose your credit card from them. You may not get all the features that you are wanting. However I would suggest you to chose that credit card which is offering maximum features as per your requirement.

Clare Hoard: It's good to get a credit card just to establish some credit history for the future.It's bad to get a credit card if you feel you're not a financially responsible person.So if you agree with my first statement, and you think you're responsible enough to avoid the problems of the second statement, then maybe you're ready to get a credit card.If you use a credit card, don't spend more than you can afford....Show more

Wally Perrien: Having and using a credit card wisely can be beneficial to your credit rating. But in the current economic scenario, it is very tough to get a good credit card without credit history.Take out a sma! ll loan using the savings account as collateral, and then pay ! it back. This will help you for establishing your credit history. Or you can apply for a secured credit card. Using a secured credit card is an easy way to build your credit rating. Pay your credit card balances on time. After a few months of having the secured credit card, apply for an unsecured card....Show more