Your First Credit Card in College: What to Look For and How to Use It

Starting college means learning how to manage more than just your class schedule. It is also the perfect time to begin building smart financial habits. One of the most powerful tools you can have is a credit card, but it is important to use it wisely.

💡 4 Smart Credit Card Tips for College Students

1. Use it for needs, not wants.
A credit card is not free money. It is a financial tool. Use it for emergencies or essentials like textbooks, travel, or tech repairs. Try to avoid using it for impulse purchases or everyday spending.

2. Pay more than the minimum.
Most credit cards require a small monthly payment, often around 2% of your balance. However, paying more than the minimum helps you avoid interest and pay off your balance faster.

3. Monitor your spending.
Use mobile banking apps to track your purchases, set alerts, and stay on top of your budget. This helps you avoid surprises and keeps your credit usage in check.

4. Start building your credit early.
A good credit score can help you rent an apartment, get a car loan, or even qualify for certain jobs after graduation. Using a credit card responsibly in college sets you up for future success.

Why FFCU Is a Smart Choice for Students

At Family Financial Credit Union, we offer two VISA® credit card options designed with students in mind:

  • Platinum VISA® has an 11.90% APR and is ideal for balances up to $4,999.99.

  • Platinum Preferred VISA® offers a lower 8.90% APR for balances between $5,000 and $20,000. It also includes ScoreCard® Rewards, which let you earn points on every purchase that can be redeemed for travel, merchandise, and experiences.

Both cards come with a low monthly repayment of just 2% of your balance, making them manageable even on a student budget.

🎓 Ready to Take Control of Your Financial Future?

Apply for your FFCU VISA® Credit Card today and start college with confidence, flexibility, and the tools to build a strong financial foundation.

Andrew Zahrt