Oh and also, even if you don’t use it for your ba, at least buy something on it every month and pay it off straightaway to build credit – like fuel or something. Its purpose is to help build credit and then you can maybe apply for an interest free credit card, loan or finance through someone else once your credit builds up 🙂 Then you can add what you are saving to bring the cost down 🙂 I hope it all works out girls xxx