Before You Get a Credit Card
- Understand Terms and Conditions
- Check Your Credit Score
- Choose the Right Card for Your Needs
- Credit Limit is Not Extra Money
After You Get a Credit Card
- Use it like a Debit Card
- Pay Full Balance Monthly
- Avoid Cash Withdrawals
- Set Up Autopay or Reminders
- Keep Credit Utilization Low
- Limit New Applications
- Review Statements Regularly
- Build Credit, Don't Burn It
This information is provided for general guidance and personal finance education. Always read your cardholder agreement and consult with a financial advisor if needed.
