One of the best pieces of advice I can give to younger people is to get a credit card while you are a student at a university.
Even though it is only a small step, having a credit card and paying it off in a timely manner will help you build up a good credit rating. Your credit rating will allow you to borrow for personal loans or a mortgage further down the track.
Generally speaking, banks are generous when it comes to issuing credit cards to students, so you should take advantage of their policies while you can. You will find it a lot harder getting a credit card if you are unemployed!
One of the best student cards I know is the Chase Student Flexible Rewards Card. You can redeem your points at places you go anyway like Best Buy and Chili's, and you get six months of a 0 percent APR.
You can see other good student cards here. Choose the right one for you today.