Savvy college students understand that it's important to secure a credit card and begin establishing good credit while in college. But there are so many credit card offers from which to choose and most students begin with no credit history at all. So which offers are the best credit cards for college students with no credit?

It sounds obvious, but there are actually several reasons why you need to keep close tabs on your credit cards' billing cycles. The first one that should come to mind is you need to know when your billing cycle ends so you can be prepared to make payment in full to your credit issuer, right? That's a no-brainer.

Who do you think is more likely to get into trouble using credit cards? A college freshman who was never exposed to credit his entire life, or a teenager who was added as an authorized user on his parent's card at 15 and taught how to responsibly use credit. Let's put it this way. I've met a lot of people who have found themselves in serious debt, and every single one of them started using credit for the first time when they were older or in college. Not once have I ever met a young teenager in credit card debt. Have you?

You finally paid off the collection agency that's been hounding you over an old debt for years, but what about the creditor that originally owned your account? What happens to the charge off they've been reporting on your credit reports?