Keeping responsible credit in college

Low interest rates, no fees and balance transfers are catch phrases that fill college students’ mail boxes every year.

Credit card companies will swamp new students with offers that sound too good to be true. According to United College Marketing Services the average college student gets 25 to 50 solicitations a semester.

Low introductory interest rates, bonus rewards and no need to carry cash, all sound like great reasons to get a credit card.