You'll have an easier time getting credit for the things you want and need by taking steps to build a solid foundation now. While you're in college, a good credit history can make it easier for you to get an apartment, utilities in your own name, or a car. After you graduate, a good credit history can open doors to new homes, new cars and new jobs. It means you'll have an easier time getting credit when you want and need it. Remember, you won't be in college forever.
Overdraft protection is a form of credit.
If you write a check over your balance, funds are charged against your overdraft to pay the check. Make sure you pay back your overdraft line promptly. Set up utilities in your name . Telephone, gas, electric and cable charges are extended to you on a credit basis, and your payment habits are part of your credit history. Paying promptly, and in full, reflects positively on your credit history and may also let you avoid having to put down a deposit the next time you set up utilities.