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Crosswalk Finance – Becoming Better Stewards of God’s Blessings http://link.crosswalk.com/UM/T.asp?A1.5.12846.1.1478944 Wednesday, July 2, 2003 Welcome to Crosswalk Finance, a free newsletter from Crosswalk.com. Crosswalk Finance brings you timely and informative articles to help your family make the most out of God’s provision. If this newsletter no longer meets your needs, please use the unsubscribe link at the bottom of this newsletter and you will be removed immediately. >> Credit Cards and College Students Crown Financial Ministries QUESTION: I'll be going to college in the fall, and I've already heard about the credit card marketing that takes place on some campuses. I'd like to have my own credit card, but I don't want to repeat the mistakes made by my friends who are already in college. Do you have any advice? ANSWER: In his book, "The Complete Financial Guide for Young Couples," Larry Burkett says he believes every credit card should come with this warning: "Danger! Use of this card can be injurious to your marriage." In your case, the warning might tell you that misuse of credit cards could severely hinder your efforts to fulfill your educational and career goals. * * * * * * * * * * * * ADVERTISEMENT * * * * * * * * * * * "Don’t spend a dime on books, seminars, classes & other expensive no-name lessons until you’ve tried one of my amazing computer training lessons FREE!" - John W. Scherer It’s FAST – EASY – CONVENIENT - COMPLETE! Plus, order now and you’ll also receive a FREE Organizer CD with your lessons. http://l.salemweb.net/videoprof3034/fin63003 * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * A credit card gives you a lot of buying power. As a result, it also gives you the potential for a lot of consumer debt, which is the last thing you need at this point in your life. After you begin college, you may be approached on campus by marketers from credit card companies. A number of colleges have banned these marketers, who may use high-pressure tactics to sign you up or try to entice you with free gifts. Some students who sign up are unable to control their use of credit cards and wind up with thousands of dollars of debt. To counter this problem, some credit card issuers are offering secured cards to students. These cards have $300 limits, and before using them students must have a certain amount of money in the bank. On the opposite end of the spectrum are marketers who deceive students into signing up for more than one credit card. How? These students simply sign every piece of paper they're asked to sign without reading the fine print. Remember that you always have the option of obtaining a credit card this summer at a local bank. But if you decide to obtain a card on campus, make sure you sign up for only one card. In addition, set some rules for using your credit card and stick to them. here are some suggestions. 1) Obtain a card with restrictions and a low spending limit. 2) Get on a budget and use your card only for budgeted items. In other words, if it's not in your budget for the month, don't buy it on credit. 3) Pay your credit card bill off every month. 4) The first month that you find you cannot pay off your credit card bill, destroy your card. You can always get another one later. >> Visit Crosswalk’s Family Finance channel for more great articles and resources to help you serve your family’s needs and become a better steward of God’s blessings. http://link.crosswalk.com/UM/T.asp?A1.5.12846.1.1478944 ============ EXPERIENCE IT BEFORE YOU BUY IT ============= Parable.com – your trusted source for quality Christian products. Come see (and hear!) for yourself with thousands of chapter excerpts, audio clips and video clips. http://www.parable.com/parable/default.asp?rid=1320 ==================== www.parable.com ==================== Sign Up For A FREE Missions Trip http://l.salemweb.net/ndoffer0703/UMCWFIN ____________________SUBSCRIPTION INFO_______________________ * To unsubscribe from this newsletter immediately, click here: < http://link.crosswalk.com/UM/U.asp?A1.5.1478944 > If that link is not clickable, simply copy and paste it into your browser window. * Copyright © 2002 Crosswalk.com, Inc. and its Content Providers. All rights reserved. ____________________________________________________________ -- To UNSUBSCRIBE, email to [EMAIL PROTECTED] with a subject of "unsubscribe". Trouble? Contact [EMAIL PROTECTED]