What are common student credit card pitfalls, and two tips to avoid accumulating debt?

• A. Pitfalls include high interest rates and fees, promotional traps, and over-spending. Tips: pay balance in full each month; monitor statements and keep utilization low.
• B. Pitfalls are minimal; tips: only spend what you can borrow from a friend.
• C. Pitfalls include universal 0% APR; tips: carry a balance to build limit.
• D. Pitfalls include never checking statements; tips: close account after first bill.

Answer: (A)

The main idea here is understanding realistic pitfalls of student credit cards and practical ways to avoid debt. The best choice lists real traps: high interest rates and fees, promotional traps, and the tendency to overspend. It also gives two solid, actionable tips: pay the balance in full each month to avoid interest, and monitor statements while keeping your credit utilization low so you don’t rely on the card to finance more spending than you can handle. Monitoring statements helps catch mistakes or unknown charges, and keeping utilization low protects your credit score by showing you aren’t maxing out the card.

Other options miss the mark by either suggesting unrealistic scenarios (like borrowing from a friend to cover spending) or promoting harmful practices (carrying a balance to “build” credit when this accrues interest), or by recommending behavior that leads to ignoring statements or closing the account after the first bill, which can hurt your credit history and financial health.