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In piggybacking, a parent makes a child an authorized user.
Sullivan says some students should consider starting out with a retail card.
Some no longer offer student cards; others switched to pushing debit cards on campus. Once a student is able to qualify for a regular card on his or her own, it's important to remember that not all credit cards are the same, says Clarky Davis, former spokeswoman for Care One Credit Counseling, a debt relief service provider based in Columbia, Md.
Also know that when you receive a credit card that's all yours -- one with no co-signers -- the responsibility for handling the card wisely and repaying your debts falls squarely on your shoulders. and formally known as the "Debt Diva." Before a student applies for a credit card, "He or she must do some research to find a card with the most benefits -- a lower interest rate, no annual fees, reasonable credit limits and clear billing policies." If you think you might carry a balance, go with a no-frills, low interest credit card.
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In short, that means that if you can't prove to the issuer that you have the means to pay your balances, you probably won't get a card. But know that things have changed from the days when every college freshman's dorm mailbox overflowed with credit card offers and card issuers rained free pizza and T-shirts on students who applied.
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