Credit card companies are evil, just say no.
The reason why your bank wants you to get a credit card right out of school is so they can start you on a long term plan of accruing debt with them. Their goal is to make sure you end up working just to pay them.
They do this by enticing you into spending more than can pay for. If you make payments on time they will gradually increase your limit. What happens to a lot of people is that they end up living well beyond their means and finance their lifestyle through credit cards.
Any debt counselor will tell you that if you can't afford it, then don't buy it. And the only thing you should ever by on credit is a car and a house.
The reason why your bank wants you to get a credit card right out of school is so they can start you on a long term plan of accruing debt with them. Their goal is to make sure you end up working just to pay them.
They do this by enticing you into spending more than can pay for. If you make payments on time they will gradually increase your limit. What happens to a lot of people is that they end up living well beyond their means and finance their lifestyle through credit cards.
Any debt counselor will tell you that if you can't afford it, then don't buy it. And the only thing you should ever by on credit is a car and a house.