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One often neglected benefit of student credit cards is that they help you build a good credit history for the future, as well as teach you valuable skills with regard to managing your finances. It is therefore important to keep certain things in mind regarding the use of student credit cards. Go slow with your first student credit card. At this early stage of your credit history, you look for student credit cards that do not have annual fees and carry a credit limit of $500 or less. This will enable you to handle all the financial requirements of the student credit card more easily.