They were sold as an add-on when customers were understandably focussing on their primary objective - getting a credit card, a loan or a mortgage.

BBC: PPI: How did the bill ever get so big?

Therefore, whether you demonstrate steady income, find a co-signer or simply wait until your 21st birthday, your primary objective in using a credit card while in college is building credit.

FORBES: The Best Credit Card Choices From College To Retirement