Westfield State plans to resume its traditional, on-campus schedule for fall 2020. Given the ongoing uncertainties related to COVID-19, we believe it is also prudent to develop contingency plans. Updates will be communicated as they become available.

×

Managing Credit Cards

  • Avoid signing up for multiple cards.
  • Never co-sign for a friend's credit card.
  • Contact your credit card company to reduce your credit limit if it is higher than necessary.
  • Understand that low introductory rates are for a limited time and can be very high after that time is up.
  • Avoid “free gift” or percentage off offers for credit cards. These may be predatory lenders, or just a store card which typically have higher interest rates.
  • “55% of college students acquire their first credit card during their first year in college, and 83% of college students have at least one credit card.” Senator Akaka, Credit Card Minimum Payment Warning Act, May 21, 2004.
  • If the excitement of having a credit card has already gotten you over your head in debt, make a plan to pay it off. CashCourse offers resources and calculators to help! Register for your free account at CashCourse.org.

EXCELLENCE IS WAITING Apply Today

Westfield State University
map icon

577 Western Avenue

Westfield, MA 01086

(413) 572-5300


© 2020 Westfield State University. All rights reserved.

Policies & Information
Employment
Follow Us