The Vultures Are Already Circling

The damn banks and credit companies are already out on campus, waiting for a freshman with a meager income to drift from the herd. Don't fall for it, get used to paying with money you have and not money you expect to have. Most everyone gets into the 'oh, I'll just put this on the card and pay it off at the end of the month' and then paying the minimum when the bill comes. If you are really, really, let me say it again, really diligent, then you can work the bonuses for mileage points or gifts or whatever by paying bills with credit and then paying the credit card balance in full every month.