By THE ASSOCIATED PRESS

A credit card can help a college student build credit, handle emergencies, and learn fiscal responsibility. But long-lasting debt can mount quickly. Here are some tips from financial experts on handling credit:

-Only charge what you can afford.

-Pay bills in full, or at least more than the minimum.

-Always notify card issuers promptly when you move to avoid missed payments, which carry fees.

You are overspending if you:

-Always pay bills late.

-Can make only minimum credit card payments.

-Exceed the credit card limit.

-Work overtime to pay credit card charges.

-Need one credit card to pay off another.

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