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Students are often prone to (倾向于) fall under huge credit card debt due to some common mistakes done with credit cards for students. Below are some of the common mistakes that students usually make with their student credit cards.
Students make many mistakes while choosing student credit card. For instance:
Instant sign up for the first card offer:
This is the most common mistake that most students tend to commit. As they step into college, they get many credit card offers from numerous credit firms. If you are not serious about this and just sign up for the first credit card offer, chances are more to lose those good offers coming after a while. Thus, wait and look out for some reasonable offers.
Often, students are attracted by card offers that offer goodies such as T-shirts, video games, and DVDs. Always try to avoid committing this mistake. You need to understand that these goodies are just promotional offers. Hence, always sign up after comparing and reading the terms and conditions of at least three or four credit card companies thoroughly.
Using beyond the credit limit:
This is another common mistake. Often, these credit cards come with a huge credit limit, but this does not imply to spend your entire credit limit. It is important to keep the credit card balances always below 50% of total credit card limit. If you make use of the entire credit limit on expenditures, it may reflect on your credit report. In addition, you will have a tough time to pay off your balances on time, if you get into the habit of spending your entire limit.
Irregularity in Monthly Installment（分期付款）:
This is one biggest mistake, which students do with these credit cards. They ignore their monthly installments or skip them. In such cases, credit firms either increase the ARP (Annual Percentage Rate), or charge some penalty fees or withdraw all your rewards and exclusive rights. To worsen, they may even decrease your credit limit. Incurred dues are the common cause of debts due to these credit cards.
5. Students who just step into college_____.
A. are often prone to fall under huge debt
B. are often allowed to withdraw over credit limit
C. tend to get many credit cards from many credit firms
D. tend to accept the first card offer without considering the others
6. Card offers offer goodies to ____.
A. show how good the credit card is B. attract more students to sign up for credit card
C. promote service quality of credit card D. advertise for goodies
7. All the following questions are answered in the text except ____.
A. why students ignore or skip their monthly installment
B. how large students should always keep the credit card balances
C. how the credit firms deal with the cases where students ignore or skip their monthly
installment
D. what the common mistakes are while students use credit cards.
DBA
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