 TITLE: Should College Students Get Credit Cards? CONTENT: Signs Students Should Hold Off on Getting a Credit Card\n-------------------------------------------------------\nOf course, some people just aren't ready for the responsibility of a credit card in college. Do you have (or have you ever had) a job? Are you the one always treating your friends to lunch? Does your phone buzz nonstop with alerts from your bank that your checking account balance is in the single digits? Do you wish your school offered a major in shopping?\nIf managing money is an ongoing challenge for you, getting a credit card in college probably isn't a good idea. Credit cards can tempt you to spend more than you can afford. If your credit card balance climbs too high, it could damage the very credit score you're trying to establish.\nIf you aren't yet ready for a credit card, start by opening a checking and savings account, putting money into savings on a regular basis, and using your debit card responsibly. END