What Ive learned on credit card applications
Charging a small amount to your credit cards each month is good as long as you pay it off in full at the end of the month. (After all, it is hard to prove that you can use credit responsibly if you never get around to using your credit card. ) If you let your balance roll over from one cycle to the next, reduce the amount of interest your account accrues by paying substantially more than the minimum payment each month. If you are using your student credit cards wisely, you are unlikely to reach your credit limit. However, emergencies do happen.