<p>Xirus: The only reason I’m against credit cards is because I’ve seen what they can do to people. Even with making payments on time, many interest rates are so high (I’ve been offered in the range of 18%-24% at various banks) that you can fall behind easily. Plus, they can increase interest rates, which makes the matter worse. I agree that those who are extremely careful and meticulous with their purchases/repayment can build a nice score without problem. It’s just that the majority of other college students I’ve met don’t seem to be able to do that. x|</p>
<p>pisces8519: Student loans. I pay them on time, and it’s given me a nice score. I have a combo of federal/private, not sure if the federal affects the score, but the private definitely does.</p>
<p>Not saying they’re entirely bad, but I’m going to wait as long as possible before getting one. I’d rather work my butt off than get a card. :P</p>