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But student loan statements push people to make bad financial decisions and should be re-named, says finance expert Martin Lewis. We pay for your stories! Do you have a story for The Sun Online Money team?

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All Football. Katie Binns. Benefits of a HSBC student account if you switch.

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It has an Used wisely, a credit card can also help you build up a healthy credit score and make lenders inclined to let you borrow more from them in future. However, used unwisely, a credit card can lead to a hefty amount of debt. You could also be charged a fee if you go over your credit limit, use your card abroad or make a late payment. All rights reserved.

Grab the top overdrafts and freebies in 12222/20

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