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A Student’s Guide To Credit Cards

Released on September 25, 2019

The Financial and Consumer Affairs Authority (FCAA) is offering credit card advice to students.  When used successfully, a credit card can build a good credit score which can help when it comes to buying a large life purchase, such as a car or house.

“Ensuring that you regularly read your credit card statements and making your minimum payments on time are great practices when owning a credit card,” Consumer Credit Division Director Cory Peters said.  “It’s also really important to not share your PIN or lend someone your card.  You should keep your credit card information safe and solely yours.”

Keep the following tips in mind when getting a credit card:

  • Always make your minimum payments on time – at the very least, make the minimum payment by the due date.  If possible, pay off the full balance on time to avoid interest charges altogether.
  • Don’t share your PIN – if something happens to your account and you’ve given someone your PIN, you will be paying the price.
  • Avoid cash advances - there often is a fee associated with this and interest is charged immediately.
  • Read your statements – make sure your transactions recorded in your credit card statements are accurate and check for any unfamiliar charges.  Fraudsters can sometimes gain access to your card without you noticing it.
  • It’s not free cash – if you cannot afford to pay off what you are committing to spend on your credit card, think twice before making the purchase.
Not all credit cards are the same.  Different cards offer different interest rates, fees, limits and rewards.  Make sure to research which one is the right fit for you.

For more helpful information on credit card usage, visit http://fcaa.gov.sk.ca/financial-literacy/youth-parent-educators/credit-card-tips. 

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For more information, contact:

Shannon McMillan
Financial and Consumer Affairs Authority
Regina
Phone: 306-798-4160
Email: shannon.mcmillan@gov.sk.ca

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