Credit card application Thoughts and more
* Pay off your bill in full each month. The higher your unpaid balance, the more interest you accumulate; if your balance is high enough, you could find yourself struggling to pay off the interest, with no end in sight to the rest of the debt. Over the course of months or years, you'll pay more in interest on each of your purchases than you paid for the purchase itself. Rather than getting caught in that downward spiral, pay off all your student credit cards in full every billing cycle. * Pay on time, right down to the hour.