The cost of credit cards varies greatly. The annual fees and interest rates charged by some financial institutions are much higher than others. Many cards offer premiums or awards linked to the amount you spend using the card. Credit cards are convenient, but unless you are careful you may be shocked when you get your monthly bill. Keep all your receipts to keep track of what you spend.
Debit cards are a better solution for students who have trouble managing their debt.
They are as convenient as credit cards but do not allow you to spend more than you have. UMB operates a bank on campus in the University Center, but there are other banks nearby. 304 SSB, University of Missouri-St.