Why Students Are Targets for Credit Cards and 4 Ways to Fix That Before Graduation

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I dare you to name any budding college student out there — whether a child in your home, or a friend out in the community — who doesn’t face the challenge and responsibility of one of the most dangerous, yet truly powerful, pieces of plastic ever known to mankind: the credit card. Trust me: you’ll find plenty. Just about every college student recognizes the temptation. It’s ‘free money.’ Then it bites them in the butt and they run scurrying away from the fire — and then later, the creditors calling up until they’re well in their 30s and 40s. It’s not pretty.
The fact, though, is this: credit’s key. It’s important. Those plastic cards and accounts make the difference between getting a zero-down home loan and leasing a vehicle over living in your parents’ house at the age of 45 (which would be sad). You have to use them. As much as you hate the idea, they’re very relevant in today’s society; strangely enough, not many are educated on how to use them and when to use them to your benefit. And why?

Truth Be Told, Credit Card Corporations Are Very Much Like Cigarette Companies

Think about it. These credit cards only make their money if people sign up for lines of credit and start spending. If no one’s applying, credit card companies go under. Therefore, like how cigarette corporations will target the “young crowd” right away, getting them hooked for long-term repeat business, credit cards are that financial nicotine luring college students into the ignorant bliss that is reckless spending and the glamorous lifestyle —

Only to have to pay all that crap back! It’s a learning lesson, though. Credit cards teach responsibility. This is why, though, when you’re in college, oftentimes you’ll see in your email inboxes countless junk ads for credit cards, easy approval with ‘minimal fees’ and all that jazz. Go ahead and get in on Lexington Law, the credit experts, and see if I’m wrong. They’re targeting you immediately; if you’re smart, though, you can get ahold of the plastic and make it work for you (and not for the company). Because in the end: credit’s a benefit. Treat it as such.

The Keys to Ensuring You Don’t Get Caught Up on Credit Cards

There are four of them, actually. In all honesty, there are probably plenty more, but this would be scaled down to a nice, easy number for literary digestion, and that’s what we aim to do for you — educating you efficiently here at the H.O.P.E. Program, so come see what we’re all about, and you’ll learn even more than what’s to follow with these four tips:

Cryptic, yes. Smart? Definitely. Somewhat frustrating? Possibly. You’ll just have to get in on the links here and launch your education early today before racing into college.

credit card race

Your Future’s Ahead of You

Truthfully, even before we register for our classes and move into the dorms, we’re still being educated on life. This is just a turn of the corner in your race to the finish line. Just please do yourself a favor, though: don’t forget to bring the water and stay hydrated.

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  1. […] still enjoying the lava lights and the spectacle of the college life, not even realizing that the real life with the responsibilities, credit cards, finances, bills, and other headaches might start rearing their ugly heads as you ponder on how to […]

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