There is nothing wrong with using a student credit card to build credit. However, you need to be very careful with these cards as they often have higher limits, and it can be tempting to use them when you are a student living on a strict budget. Paying off credit cards with high balances can be challenging for a student. You may have good intentions and want to make credit card payments on time, but if you do not have enough income, your credit card bill will likely take a backseat to other essential expenses like your phone bill or groceries. So, it is best not to overspend even if you have the ability.