Credit Cards

Seems like every week I get another piece of mail trying to get me to get some type of credit card, usually for students. Heck, I even got offered a free sub last week if I would just sign up for a credit card.

I've passed on these offers. I have my one Visa, and I have used it to make exactly two purchases, books for my first semester, and books for my second semester. Both times, I paid them off right away so I wouldn't rack up interest.

When I get something in the mail from them for the credit card, it made me more glad that I had always paid it off right away. The percent interest on this particular card is 23%, which is, well, a lot. So I really hope to avoid charging anything I can't entirely pay for.

When it comes to credit cards, be it credit cards specially for students or otherwise, my policy is to just say no. And I hope I never have to stray from that.