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Credit asked several financial experts to explain how students can effectively build good credit. Become an authorized user on your parents' account.
"I always advise parents when the student is going off to college, unless you're 100 percent sure they're responsible, the first credit card that student should have is yours," says Mike Sullivan, former director of education for Take Charge America, a Phoenix-based nonprofit financial education and consumer debt service organization.
Building good credit is a must: It will help you qualify for loans, auto insurance, rental applications, cell phone plans and can even affect whether you get a job. The Credit CARD Act, most of which took effect in 2010, changed the rules of the game.
However, put simply, it still all comes down to being responsible.
The teen should be an authorized user on the parent's account so the adult can monitor the child's spending.
Additionally, this can help the student build good credit via "piggybacking," a controversial practice that FICO -- creator of the widely used credit score that bears its name -- continues to permit among family members.
Also know that when you receive a credit card that's all yours -- one with no co-signers -- the responsibility for handling the card wisely and repaying your debts falls squarely on your shoulders. and formally known as the "Debt Diva." Before a student applies for a credit card, "He or she must do some research to find a card with the most benefits -- a lower interest rate, no annual fees, reasonable credit limits and clear billing policies." If you think you might carry a balance, go with a no-frills, low interest credit card.
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One of the most exciting parts of growing up is becoming financially independent, but learning how to do so can be challenging.
In piggybacking, a parent makes a child an authorized user.
If the parent has good credit, the child's credit gets a boost.