1. Running Up Your Credit Cards
Banks send credit card offers to students in an attempt to build a life time customer. They also know that many students will use their credit cards impulsively. It is important to avoid credit cards, and to simply not apply for the majority of them. If you decide you want a credit card to build your credit, use it responsibly. Pay it off each month and look for one with the lowest interest rate. Additionally keep the credit limit small. You can ask the credit card company to freeze the credit limit so they do not automatically raise it for you.