You check your campus mail a few weeks later and there it is - your first credit card. You can hardly wait to use it so you rush to the store where you saw that item you couldn't live without. While making your way through the store, you see some other stuff that you didn't realize was there before. This would be an additional $200. What will you do? Hey, go ahead! It will get paid off eventually. Decide against the impulse buy. It will still be there later if I really want it.