So my bank is 'recommending' I get a 'college credit card' through them, with no annual fees and 0% interest for the first 6 months. After that, the rate can vary from 4-17%, which seems pretty high.
My question is whether a) I should even be considering a credit card when the most major purchase I will make in the foreseeable future will be a bike frame and b) whether the variable rate should be enough to scare me away. Will I build enough credit w/ small purchases to justify getting a card in the first place, or should I stick to debit cards for now?
My question is whether a) I should even be considering a credit card when the most major purchase I will make in the foreseeable future will be a bike frame and b) whether the variable rate should be enough to scare me away. Will I build enough credit w/ small purchases to justify getting a card in the first place, or should I stick to debit cards for now?