1. Control spending, especially high spending. If college students don't have a part-time job or their own income, they'd better not spend money indiscriminately, not to mention comparing or envying vanity. Most of them can only enter the pit of campus loans if they have high consumption.

2. In order to strengthen the ability to recognize and deal with the social order, do not easily agree to try. Especially when you do not know, if you are in a hurry, you can use the regular bank, Alipay, WeChat and other channels to temporarily borrow a little bit, provided that you do the right thing, to be able to return on time, beyond the ability to have reservations.

3. Thick skin. College students have no social experience. They are too thin-skinned and impulsive. They are easily persuaded and encouraged by others. Read more routine cases on the internet and know them well. Don't become routine so easily. After that, it will not only hurt you, but also seriously hurt your family. Cell phones are so convenient now. Search for a large number of daily life cases,

4. Enhance your knowledge of finance and cybersecurity Learn about the development trend of the financial industry, and master the basics of finance such as late fees, default fees, simple interest, compound interest, etc. and cybersecurity knowledge. Pay attention to screening online marketing online loan products, do not blindly trust, improve their ability to identify and resist online loan products. There are many campus loan traps. College students must not be contaminated by campus loans, trust naked loans, academic loans and other products, download apps, or look for formal channels, part-time jobs, and work-study programs. Reduce communication with unfamiliar people, especially when it comes to the aspect of money and bank cards, pay special attention.

To summarize, it is to control the desire to spend, put a good attitude, square your eyes a little brighter, learn more, do not easily go with the flow, do not easily believe the words of elders and sisters. If you are within your means, you can use them, which is also very helpful to improve your credit