If you misuse your student credit card and keep making late payments, you will be under a huge debt burden when you graduate and need to buy a home or a car. Student credit cards are not a student loan. Consider them as high interest loans which you should pay off immediately.

On other hand by properly managing your payments, you can have a good credit score when you graduate. If you make your payments on time, you can also avoid interest charges. Be careful of late fees on your student credit card.

Student credit cards generally have low interest rates but they might have a smaller maximum credit limit.

If you are a college student, you may have received a lot of student credit card offers through mail. Credit card companies want you to get hooked on their card early in life, so that you remain their loyal customer in future.

Online applications have made it very convenient to apply for a student credit card. In addition Internet can let you shop around from a wider selection of cards right from your home. Usually it is a secure way to apply if online site has a secure server.

You can qualify for a student credit card if you are at least 18 years of age.

6)Does insurance company you are considering have a substantial network of preferred doctors and hospitals in your area? In addition to family doctors, what type of access will you have to specialists and best hospitals in event you or a family member is diagnosed with an illness that requires specialized care? Also, what are your options for preferred health care providers when traveling?

7)If you need to go “out of network”, will you still have coverage? Most insurance policies will have coverage in event you need to go outside of their network for care. However, review how these out of network claims will be paid. Will there be an additional deductible? How are reimbursement levels determined for out of network claims? What is your maximum out of pocket for out of network claims?

8)Are you looking for an opportunity to reduce your taxable income? If so, make sure your plan qualifies as a high deductible health plan and look into all of aspects of a Health Savings Account. In right situation, HSAs can be an excellent way to pay for eligible health care expenses, reduce your taxable income and save for retirement.

9)What are financial ratings of insurance company you are considering? A.M. Best, Standard & Poor’s, and Moody’s are organizations that rate financial stability of insurance companies.

10)What type of customer service will you get from your insurance agent? Do they specialize in health insurance? Do they have a staff that is willing and able to assist you in event you have a claim, billing, or other customer service problem?

If you do not have time or patience to look into all of items mentioned above, develop a relationship with an independent insurance agent that specializes in evaluating and servicing health insurance policies. A good independent insurance agent will be able to save you time, money, and be an excellent resource for evaluating all of items mentioned above.