My little discussion about credit card applications
* Know exactly where you stand financially. Find out exactly how much you owe and who you owe it to, what your monthly income is, when you can expect your income to arrive, how much you must pay for other expenses and when you must pay, and based on that, exactly how much you can afford to pay to your student credit card lender. Educate yourself about which expenses need to be paid off first. The agent you speak with will be impressed at how well you understand your situation, and will respect your judgment much more than if you were to give vague, unsupported answers. * Have a solution in mind.