That may be a daily motto in some people's homes. Credit cards can get you into deep debt, but if you use them responsibly, you build a good credit history and you could also save money.
Credit card offers arrive in people's mail boxes daily.
So it might be time to shop around for the best card with the lowest interest rate or a card that offers. There's thousands of cards out there. This card is specifically for college students. So it could save you money to charge your textbooks on a cash-back credit card, if you wisely pay it all off on time.