Student credit cards with low interest rates are the best way for young people to build their credit histories and credit scores. However, they’re also a way for credit card companies to take advantage of youthful indiscretions. Here are a few tips for students with credit cards waiting to be used:

1. Don’t max out the cards just because you can make the minimum monthly payment. Even if the interest rates are low, you’ll be spending more than the sticker price over time. In fact, if the interest rate goes up, you’ll be spending MUCH more.
2. Be aware of interest rate hikes. If the initial interest rate is 0 percent, you should be aware that it is going to go up. Know when, and cancel before you’re paying 23 percent.
3. Just because five cards come in the mail doesn’t mean that you have to activate them all. In fact, don’t.

In the end, student credit cards with low interest rates are fantastic. How students decide to use them however, sometimes isn’t. Always be responsible when using your credit cards.