Author: Rebecca Lindsey 作者：丽贝卡赛
Article source: http://www.livingnow.info/ . 文章来源： http://www.livingnow.info/ 。 Used with author's permission. 用作者的许可。 If you're a college student, you probably already have a credit card.如果你是一名大学生，您可能已经拥有一张信用卡。 If not, you may have plans to get one or more soon.如果不是，您可能已经计划获得一个或多个很快。 So why should you read on?那么，为什么你应该阅读？ - Because financial debt is one of the main reasons that many students end up dropping out of college.由于金融债务是一个主要的原因，很多学生最终辍学大学生。
- Because your college years can be some of your most memorable—and some of your most costly.由于您的大学生，可以一些您最难忘的和您的一些最昂贵的。 They don't, however, have to be the beginning of an adult life strapped with debt.他们不这样做，不过，必须开始一个成年生活拮据的债务。
- Although you may still feel in limbo between your teen years and adulthood, it's time to take charge of your finances and manage them as an adult.虽然你可能还是觉得无人过问之间的青少年和成年期，它的时间来负责自己的财务和管理作为一个成人。 The sooner you do, the sooner you'll be able to start saving and spending your own money.越早你做什么，越早您就可以开始储蓄和消费自己的钱。
For those new to credit cards and for others who know all about credit, let's go back to the basics.对于那些新来的信用卡及其他谁知道所有的信用，让我们回到最基础的。 Why do credit card companies court college students?为什么信用卡公司法院大学生？ It's obvious by the friendly representatives who offer a free t-shirt or CD just for signing up in the student center.很显然的友好代表谁提供免费的T恤或CD刚刚注册的学生中心。 Or the applications slipped into bookstore bags.或申请溜进书店袋。 Or mail boxes crowded with card offers.或邮箱挤满了卡提供。 Credit card companies want college students to carry their card.信用卡公司希望大学生履行他们的信用卡。 Did you ever stop to wonder why?您曾经想过停下来问，为什么？ One reason is loyalty—once a person has a card in their wallet, they are likely to keep that particular card and its upgrades for years to come.原因之一是忠诚度，一个人一旦卡在其钱包，他们有可能保持这一特定信用卡和其升级为今后几年。 Another reason: college students are good customers.另一个原因是：大学生良好的客户。 While this may seem ironic considering that most college students are without a steady source of income, Robert Manning, Ph.D., Professor in the College of Business at Rochester Institute of Technology and author of Credit Card Nation, says this is one example of how the credit card industry has changed radically in the past decade or so.虽然这可能似乎具有讽刺意味的考虑，多数大学生都没有稳定的收入来源，罗伯特曼宁，博士，教授商学院在罗切斯特技术学院和作者信用卡民族，说这是一个例子如何信用卡行业发生了根本的变化在过去的十年左右。 "Previously, conservative rules deemed a good customer as one that paid their bills on time," he says. “以前，保守的规则当作一个良好的客户作为一个支付他们的帐单上的时间， ”他说。 "Now, a good customer is one that can't repay their debt." “现在，一个良好的客户是一个无法偿还它们的债务。 ” "Credit is no longer an earned privilege," continues Dr. Manning. “信用不再是一种获得特权， ”继续曼宁博士。 "It's now considered a social entitlement, and the screening criteria (for card applicants) is weak." “现在考虑一个社会的权利，并筛选标准（卡申请人）是弱者。 ” Banks make money by charging annual fees, late payment penalties and interest fees on unpaid credit card balances.赚钱银行收取年费，滞纳金罚款和利息费未缴信用卡余额。 Therefore, card holders with revolving debt (those who do not pay their balances in full each month) are desirable.因此，持卡人与循环债务（这些谁不支付其余额中充分每月）是可取的。 NellieMae.org illustrates this point beautifully through an example of a student with a credit card balance of $7,000 at an interest rate of 18.9%. NellieMae.org说明了这一点通过优美的一个范例，学生使用信用卡余额$ 7000在利息18.9 ％ 。 If this student faithfully makes the minimum monthly payment of 3% or $25 - whichever is higher, and does not charge anything else to the account, it will take more than 16 years and $7,173 in interest fees to repay the bill!如果这个忠实地使学生每月最低支付3 ％或25美元-以较高者为准，不收取任何其他的帐户，将采取超过1 6年和七千一百七十三美元利息费用偿还该法案！ Additionally, Manning notes the banking industry has learned that college students will draw upon various sources of income to pay their debt—including student loans, money from part-time jobs, and as a last resort, many will ask a family member to supply the funds to get them out of debt.此外，曼宁指出，银行业了解到，大学生将利用各种来源的收入支付其债务，包括助学贷款，资金从兼职工作，并作为最后的手段，许多人会问一个家庭成员提供资金，让他们摆脱债务。 How to make credit work for you, not against you如何使信贷为你工作，而不是对你 According to Nellie Mae, 81% of college freshman have at least one credit card.据吉雯协会， 81 ％的大学新生至少有一个信用卡。 And for good reason.和良好的原因。 Credit cards enable online purchases—from text books to concert tickets, make it possible to rent a car, and help with medical emergencies or vehicle breakdowns.信用卡使网上购物，从文字的书籍音乐会门票，使人们有可能租一辆车，并帮助医疗紧急情况或车辆故障。 Used wisely, credit cards can be helpful throughout college, and can assist you in the development of financial management skills.明智地使用，信用卡可以帮助整个大学，并可以帮助您在发展的财务管理技能。 As soon as you get your first credit card or loan, you have entered the world of credit reports and scores.当你的第一个信用卡或贷款，你已经进入了世界的信用报告和评分。 A credit report is compiled by credit bureaus and contains information about your identity and credit relationships, among other things.信贷报告是由信用分社，包含有关您的身份和信用关系，等等。 Credit scoring is a system that lenders use to help determine your 'credit worthiness.'信用评分是一个系统，利用贷款来帮助确定您的公司的信用。 Credit scores are based upon your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt and the age of your accounts.信用分数是根据您的帐单支付的历史，数目和类型的账户你，迟缴，收缴行动，未偿债务和年龄的帐户。 It's vital to know that your credit score affects your ability to get loans, car loans, and home mortgages.这是至关重要的知道您的信用评分影响到你有能力获得贷款，汽车贷款，住房抵押贷款。 Future jobs and insurance premiums can also be influenced by your credit score.未来的就业机会和保险费也可以影响您的信用评分。 By paying your bills in full or in a timely manner, a credit card will help you establish a good credit score.支付帐单的全部或及时，信用卡将帮助您建立良好的信用评分。 Late payment or no payment will help you earn a poor credit score.逾期付款或不付款将帮助您获得了糟糕的信用评分。 For more information on credit reports and scores and how they affect you, check out CardRatings.com .欲了解更多有关信用报告和评分和它们如何影响您，请CardRatings.com 。 Developing a new view about credit开发一个新的看法信贷 Mary Ann Campbell, CFP, founder of MoneyMagic.com and a money educator, cites unrealistic expectations as a major reason for high student debt.玛丽安坎贝尔，财务策划师的创始人MoneyMagic.com和货币教育家，引用不切实际的期望作为一个主要的原因众多学生的债务。 Campbell, who teaches personal finance courses, says "Many students' expectations of their earning potential after college far exceeds what their actual income will be."坎贝尔，谁教个人理财的课程，说： “许多学生的期望，他们的收入潜力大学毕业后已远远超过他们的实际收入将。 ” She notes that some students use their credit cards with abandon during college, planning to pay off their debt when they land that great job after college.她指出，有些学生使用信用卡与大学期间放弃，规划来支付其债务时，土地，伟大的工作后，大学。 Indeed, some students forget that in order to get to the top of the career ladder, there are a few rungs, ie, less paying jobs, they have to climb first.事实上，一些学生忘记，为了让顶端的职业阶梯，有几个高高处于，即高薪就业机会少，他们第一次攀登。 And the expense of starting a new job and life on your own can just add to existing debt.和牺牲开始一个新的工作和生活在您自己可以添加到现有的债务。 Manning's website, CreditCardNation.com , contains a great resource for students seeking a more realistic view of the first few years after college.曼宁的网站， CreditCardNation.com ，包含了巨大的资源为学生寻求一个更加现实地看待后的最初几年大学。 Using the 'Budget Estimator,' a module designed by Manning, students can identify an average yearly or monthly starting salary for jobs in their particular major.用'预算估算，一个单元设计的曼宁，学生可以查明平均每年或每月的起薪为他们的工作特别是重大的。 The program automatically figures in estimates for taxes and social security payments.该程序会自动数字，估计税收和社会保障援助金。 Students can then plug in expenses for housing, car payments, utilities, food, insurance, telephone and internet bills, clothing, credit card bills, student loan payments, and entertainment, etc. The module lets you know when you have spent more money than you make, and allows you to adjust payments as necessary until you get the hang of how your money is best distributed.学生们可以然后插上费用住房，汽车付款，水电费，粮食，保险，电话和互联网的法案，服装，信用卡账单，学生贷款支付，娱乐等模块让您知道当您花更多的钱比你，并让您可以调整支付必要的，直到满意为止挂起如何你的钱是最好的分配。 Students that seem to have the most credit woes?学生似乎最有信用困境？ Those who believe their standard of living during and after college should not vary from when they lived at home on their parents' income.这些谁相信他们的生活水准，并在大学毕业后不应该因时，他们住在家里父母的收入。 Cable television, cell phones with cameras, and new cars become 'necessities' instead of nice extras.有线电视，手机与照相机，汽车成为新的'必需品'而不是好演员。 Advice to grow on咨询上生长 When it comes to credit cards, students have great advice for other students.说到信用卡，学生有很大的意见，其他学生。 Heather, a college junior from Arkansas, recommends getting one card with a low limit.希思大学初级来自阿肯色州，建议得到一张卡，低限制。 "This limits the amount of credit you have access to and therefore removes the temptation to spend more than you have or more than you can pay off immediately," she says. “这限制了信贷金额，您可以使用，因此消除了诱惑，花费超过您已经或以上，您可以立即支付， ”她说。 Another student recommends selectivity.另一名学生建议选择性。 "Don't sign up for a card that charges an annual fee to use it, and read the terms of the card before applying. You wouldn't believe how many people don't know what an APR rate is." “不要注册卡，收费的年费使用它，并宣读的条款，卡，然后才能申请。你不会相信有多少人不知道什么是年利率率。 ” For more information on finding the best rated cards, check out CardRatings.com .欲了解更多信息找到最佳的额定卡，检查CardRatings.com 。 You can read reviews of cards from other students and get the lowdown on perks of various credit cards.您可以阅读卡审查从其他学生，让移动时各特权信用卡。 Campbell has three recommendations for students: The first is open communication.坎贝尔有三个建议学生：首先是公开的沟通。 Campbell says students who are educated about financial matters seem to have a better overall attitude regarding credit cards.坎贝尔说，学生谁是受过教育的有关财务事项似乎有一个更好的整体态度信用卡。 Students should find a trusted source to talk openly with about money issues.学生应找到一个可信任的来源，以公开谈论关于钱的问题。 Second, students should switch from spending behaviors (such as shopping) to activities that help you achieve the same feeling of gratification or reward, such as intramurals, exercise or campus organizations.其次，学生应该从消费行为（如购物）的活动，可以帮助您实现同样的感觉满意或报酬，如intramurals ，行使或校园组织。 Last, but certainly not least, enroll in a personal finance course as soon as your schedule allows.最后，但肯定不是最不重要的，报名参加了个人理财课程尽快让您的日程安排。 Says Campbell, "If it's not required coursework, take it as an elective. You will learn a set of life skills that will not only help you right now, but also after college and for the rest of your life."坎贝尔说， “如果没有需要的课程，是否可以作为选修课。您将学习一套生活技能，不仅会帮助您的权利，但大学毕业后也和其余的生活。 ” About The Author作者简介 Rebecca Lindsey is a Senior Staff Writer for http://www.CardRatings.com .丽贝卡赛是一个高级职员作家http://www.CardRatings.com 。 She began writing articles about consumer credit issues for http://www.CardRatings.com in September 2000.她开始写文章对消费信贷的问题http://www.CardRatings.com于2000年9月。
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