[melidasaur]

I really hate how credit card companys prey on college students. I fell victim to their free tshirts and candy bars as a college student and it pains me to see other college students fall victim to them. Whats sad is with all of the credit card debt that I did rack up in college, I have nothing to show for it. I didn't buy anything cool, just crap!

I work on a college campus now and really try to tell all of my students that credit cards are evil and not the way to build up your credit. Pay your cell phone bill on time, pay your tuition... that will help you build up your credit without going into debt.

My other thing is - if you don't have the money to pay for it now, do you really need it? Emergencies are one thing... but if you don't have $500 to pay for a pair of jeans, do you really need them? I don't think so.