<p>Our D opened a student credit card through our credit union right before she left for college last year. It’s a VISA card with $500 credit line, to be used for emergency (so we thought!). It may have helped that she had a checking/savings account at the credit union for years with us as custodial, and a part time job at the time. I just pulled up her credit report and she is in good standing with this one credit card so far, knock on wood. Of course, that is due to my nagging her to pay the bill on time every month. She has the money to transfer between accounts just never thinks it’s important enough to DO IT RIGHT AWAY so she won’t forget. I wish they have the auto payment option for her card.</p>