As a new class of freshman enters colleges and universities, many are tempted to use credit cards to maintain their living expenses. Credit cards can help you establish credit history, while offering convenience and protection, but be careful not to overspend, sending you into debt. Your Better Business Bureau advises parents to teach their college-bound children about opening a credit card and how to use it.

For many students, this is the first time they’re on their own and are tempted by credit card offers. Thanks to the 2009 Credit Card Act, credit card companies can no longer linger on college campuses to pursue new customers. In addition, anyone under the age of 21 can no longer open up new credit without the written consent of a co-signer.

According to FinAid.org, the cost of college is rising at an annual rate of five percent and the total college loan debt per student after four years is averaging $22,900, according to FinAid.org. With debt like this it’s important for college students to avoid using credit cards on unnecessary items.

Your BBB offers these credit card tips:

• Compare several offers. Try to avoid zero percent introductory rate cards. Once the introductory rate is over, you may be hit with a much higher rate.

• Be skeptical if you are offered a pre-approved credit card with no credit check.

• Determine if the card is for general-purpose or if there are limits on where you can purchase items using the card.

• Ask about extra or hidden charges. Read the fine print before signing up.

• Set a budget. Make sure to pay off the balance each month to avoid any interest.

• Know the difference in the interest rate for cash advances and general purchases.

• Pay on time to build a strong credit history.

• Protect your financial information. Shred financial statements and other important personal information.

Remember, you can always check out a credit card lender with your BBB. Your BBB can provide lists of BBB Accredited companies and business reviews on one’s you’re considering. Contact your BBB by visiting www.bbb.org or calling (937) 222-5825 or (800) 776-5301.