have the income or cosigner. but when used properly managing a credit card can help studentswith positive money lessons. experts at credit.com recommend reviewing important points before putting a credit card in a student's wallet. that includes the card interest rate, late fees, over limit fees and annual fees and penalties for missed payments. the simplest thing to do is pay on time. payment history accounts for 35% of a credit score. and credit card offers are starting to pop up in a place where students spend a lot of time. social media. so make sure your student knows what he or...