Non-Credit Payment Options Can Help Students Manage Budgets and Navigate Through Today’s Tough Credit Landscape

HOUSTON (October 11, 2010) – For many college students, purchasing necessities like textbooks, food, gasoline and in some cases tuition was once as easy as swiping a credit card. Today, the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 has changed the financial landscape for many young people by limiting their opportunities to obtain credit. To help navigate this new reality, there are non-credit card payment options like the Shell Refillable Card, a pre-loaded and refillable payment card that makes it easier to plan and track gasoline and convenience store purchases.

Learning how to spend responsibly and minimize debt is a critical lesson for many young people. According to The Project on Student Debt, a non profit independent research and policy organization, even students graduating with the average level of education debt – about $21,000 – could be jeopardizing their long-term financial goals. That’s why it’s never too early to learn how to live on a budget and pay as you go by using non-credit tools like the Shell Refillable Card. For added convenience, the Shell Refillable Card can be pre-loaded and refilled over the phone or online, which makes it convenient for Mom or Dad to help out with expenses when needed, no matter how far away they may be.

“College is the perfect learning environment for students to educate themselves about basic budgeting. For many young people, the effects of the CARD Act can be an incentive to realistically look at their financial practices,” said Mark Theobald, U.S. Consumer Cards, Shell Oil Products U.S. “The Shell Refillable Card provides an alternative for students and parents to easily track and budget how much money they want to spend on everyday purchases like gasoline, food and drinks and car washes.”

In addition to using the Shell Refillable Card, Shell has some additional money-saving tips students can use to help make their college experience memorable more for the journey instead of the bills.

  • Java Fix: If you find you’re spending too much money on that morning (or late night) “cup of joe,” consider making a pot of coffee in your room. Monitor how much you spend on coffee each week — once you realize how much money has actually gone through your hands, you’ll be less likely to spend so much each week on that java fix.
  • “Pool” Your Resources: You finally got to take your car to school and you love having the freedom to explore your college town — until your gasoline needle hits “Empty”. Carpool with a group of friends to share the cost of road trips, including travelling to away football games and trips home. Additional tip: Use the Shell Refillable Card to budget each trip and split the costs among friends!
  • “Check In”: Use location-based mobile applications to “check in” to your favorite places. Some location-based applications provide loyal customers with discounts and deals when they walk in or purchase products. So if you insist on having that morning cup of coffee or late- night snack, make sure your favorite places offer deals and discounts for checking in.
  • Don’t bite off more than you can chew: In this case, don’t borrow more than you can afford. Sit down with your parents to consider your long-term goals and plan for borrowing only what you can afford, taking into account long-term monthly payments. Research student loans and grants among well-respected resources and institutions like Kiplinger’s or Sallie Mae to find out what works for you.

Remember to look for ways to make your money work for you. The Shell Family of Cards includes a variety of credit and non-credit options that address the diverse financial needs of today’s students. Students can go online to apply at or pick up an application at one of the 14,000 Shell stations located coast to coast.

For more information, visit or “like” us on the Shell Card Facebook page at

Shell Oil Products US, a subsidiary of Shell Oil Company, is a leader in the refining, transportation and marketing of fuels, and has a network of approximately 6,100 branded gasoline stations in the Western United States. Shell Oil Company is an affiliate of the Shell Group [(NYSE:RDS.A) and (NYSE:RDS.B)]. Shell Oil Company is a 50 percent owner of Motiva Enterprises LLC, along with Saudi Refining, Inc. Motiva Enterprises LLC refines and markets branded products through more than 8,300 Shell-branded stations in the Eastern and Southern United States.

Royal Dutch Shell plc is incorporated in England and Wales, has its headquarters in The Hague and is listed on the London, Amsterdam, and New York stock exchanges. Shell companies have operations in more than 100 countries with businesses including oil and gas exploration and production; production and marketing of Liquefied Natural Gas and Gas to Liquids; manufacturing, marketing and shipping of oil products and chemicals and renewable energy projects including wind and solar power. For further information, visit

Shell Oil Products US Shell Media Line +1 (713) 241-4544
Heather Spilsbury Edelman +1 (323) 202-1462

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