<p>My mom’s now living on the road (or in very temporary arrangements). </p>
<p>So when it comes to applications (internships … or credit cards) that know you are a student, among other things, both financial and academic, is it bad to constantly use my university address, all the time? Will this be bad for my credit score later?</p>
<p>Don’t worry about not having a permanent address just now. Worry about keeping up-to-date on the credit card bills. That is what really matters. Lots of students go through a “my college address is my only address” stage.</p>
<p>Wishing you (and your mom) all the best.</p>
<p>Please be careful and do not apply for many credit cards; one is already a lot for a college student! Big hugs to you, and I hope your mom will get some help to get out this rough time she is going through. Please give her moral support (and hugs when you see her).</p>
<p>Please don’t allow yourself to be suckered in by easy credit. You just don’t know how easy it is to become overwhelmed with credit card debt. Use it for emergencies only if at all possible. What seems like a small amount of debt when you’re young will become an albatross around your neck in a few years, when you want to buy a house, or a car, or get married, and you can’t afford it because of the ridiculous interest payments on your credit cards.</p>
<p>If you need money for school-related things, take the time to apply for student loans. The interest rates are low, the payment terms are flexible, and if you get into trouble (such as unemployment), you can postpone repayment. Credit cards are a racket designed to get you into debt and KEEP YOU THERE. Believe me, it will happen. Please be very cautious with how you use credit cards until you have a few years of “life management” under your belt.</p>
<p>To answer your direct question: Living in university housing is no different than living in rental property for credit purposes.</p>
<p>No it’s not really the credit cards I’m worried about – that was just a random example.</p>
<p>Also I always pay my credit on time … paid 0 interest and 0 fees so far in my 1 and a half years of credit-card-holding.</p>
<p>Well except that 35 cent fee at the Asian market for credit card purchases below 10 dollars.</p>
<p>WuTang,
Just so you know, that 35 cent fee the market charged you may be illegal in your state.</p>
<p>If your mom is living in your hometown, and plans to stay there, she may want to consider getting a PO box. When we moved, we got one. We lived in several apartments before buying our house, and it was nice to not have to forward mail at each move. Then, if you need a place to have mail sent, or for financial aid or taxes, or whatever, you can use her PO Box.</p>
<p>I can’t remember if you attend school out of your home state. Maintaining an address within your home state keeps your voting and taxes and driver’s license and car registration and insurance…, etc, less complicated.</p>