How to make credit cards work for you

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When comparing millennials to their parents, they are a less eager to use credit cards. Learning how to use and manage credit cards are an integral part of becoming an adult. People create debt. Not credit cards. Learn to spend responsibly, and you’ll be okay.

 There are plenty of credit cards out there, and it’s important to do your research. Does the card charge an annual fee? It might not be the best credit card for you right now. 

Primermagazine.com gives some great insight on the importance of having and using credit cards. Read the full article here, and check out our take-aways below:

  •  You need to build good credit if you plan to lease a car, receive a business loan, or ever open your own cell phone plan.
  • When it comes to a good credit score, the age of your account matters. It’s better to open a credit account sooner rather than later.
  •  Don’t buy something with credit that you wouldn’t be able to afford without it. Having a credit card allows you to purchase a high-priced item immediately, which is great if say your car breaks down. Don’t make a purchase unless you know you can budget out enough money to pay off your bills in a timely fashion.


Hey Sunny

A library of helpful advice, tips and answers to questions from students to Sunny.

ASU’s chatbot, Sunny, has been helping students get adjusted to college life for a few years now. The questions from students year after year, rarely change. Sometimes it helps to see what other students are asking to stay informed and realize you aren’t the only one trying to figure it all out.

Welcome to the Hey Sunny blog – a library of advice for students from Sunny and the team supporting the bot.

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