Download - Credit card management
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Congratulations! You graduated high school! Now let’s see what you’ve gotten in the mail.
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After seeing all the “congratulations, you did it!” Cards
You’ve also gotten numerous “ You’ve been Pre Approved!” Credit card offers, and you think “Well, I will need a way to have money in
college.” https://i.chzbgr.com/maxW500/4347979008/hF72EF868/
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What many young adults fail to realize is that a credit card is great if and only if used properly. However, most are not taught the damaging
effects that an irresponsible credit history can have damaging effects years to come.
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93% of all college
students have a credit card.
23% of those carry a
balance of $3,000 or
more.
58% of college students have four+ credit
cards to support
themselveshttp://www.flickr.com/photos/53500715@N08/5792929304/">
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I am one of the 93%.
I got a credit
card when I turned
18. I supported
myself with it. Which
resulted in maxing
it out. Almost four years later, I’m still paying
for my mistake. Personal photo of myself. Courtesy of Alyssa Turner.
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Even though that now I’m 22, a successful businesswoman, and have a salaried career,
credit companies still don’t trust me. I need a cosigner on anything I
apply for, and if I can’t clean this up soon,
getting a home and starting a
family is going to be
incredibly difficult in my
future.
Personal photo of myself. Courtesy of Alyssa Turner.
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There will come a time in your life when you will have to wake up and
be responsible.
Spoiler alert: That time is now. http://www.flickr.com/photos/27027945@N07/5283662933/">
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Minimize
Credit Debt
Educate
yourself for the
future
Give yourself opportunity
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Shrink the risk of credit card debt.
Teach yourself early that bad credit effects the rest of your life.
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You deserve financial freedom
Don’t get swallowed by credit debt at the early age of 22.
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Don’t allow your finances to
trample you.
Picture that first set of house keys. How good does that feel?
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Build your responsibility resume as early as you can.
Give yourself credit, literally and figuratively. http://www.flickr.com/photos/55276233@N00/221418404/">
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Educate yourself early
Take control of your
financial future
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There is nothing wrong with having a credit card.
There’s not even anything wrong with having two, but please, be responsible.
Just like driving for the first time, or letting your children venture off into the unknown, proceed
with caution. http://www.apimages.com/metadata/Index/ImgSrc-AP-IMGSO-IS09A8Y3K/e46c9d3e1e9f4e73bfb1adc1e423ef24/1/0
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Please, don’t make my mistake.
Take a credit management course today. http://www.flickr.com/photos/59937401@N07/7214443324/">
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Credit management classes should be offered at every community college and major
university.
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Minimize your risk of debt
Educate yourself. Know the risksKnow how to
handle it.
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And above all, give yourself one thing: O
pportunity
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Credit cards can be great. If and only if they’re used properly.
However
Many young adults are not properly educated on credit and credit card management, and are
therefore damaged for years to come.
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Credit card management classes are ideal
Learn the good, the bad, and down right ugly of credit cards. Prepare yourself for a successful
future. Don’t set yourself up at 18 for failure at 25.
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