Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Cars, Credit Cards, Freedom? - The most free credit you can have is CASH! br All you hear from financial institutions is to build your credit up..College students should get a co-signer and have 2-3 credit cards on them. But wait on minute, if im in college working toward my career, am heavily focused on becoming something one day, why would i want to trade in that for a credit card, finance a car, go out to get a minimum wage job. That is what they tell everyone, so that that the financial institutions can be successful. What they are really telling you is to go out run up debt, borrow money from financial institutions and by the time you graduate, you have that financial debt, a lower GPA, a bad credit score, a higher interest rate, and student loans to also pay for. While they bank of your ignorance, they get bigger bonuses, and CEO pay they're small guys(college graduates) $8-11 and hour. 1 in five students before they graduate have bad credit, and eventually file for bankruptcy. I hope you are getting what is happening here. Did you know banks also have debt too. Why do you think they pay private companies to advertise credit score, everything to do with having a good credit score. They also predict there forecast, income based on what the economy is like or going to be like. Then they know how much money they are expected to bring in for themselves, and having to payback clients(us small people) including people who cash in on things such retirement people..basically anyone who has actual invested into their bank..because they know at anytime a customer can take their money to a better bank, one with more options..better retirements, or Roth IRA's, etc. Please buy used cars, save up for a home, and stop getting these credit cards and don't worry about your credit or credit score. Its useless. Bck in the day everyone who save a money for a down payment could finance a home and there was no such thing as credit. Either you have money or you don't. THE 2 MOST IMPORTANT THINGS IN AMERICA IS A HOME, A DECENT CAR, AND HAVING MONEY AT YOUR DISPENSE..AND SAVE. Jobs are not guaranteed no more. the more integrated we become, the less and less we are stable..and thats for any country. America is always looking for cheap labor, and outsourcing jobs.