7 Things You Need to Know before You Get Your First Credit Card ...

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Before you get your first credit card, there are several things to consider.

Of course, you have probably already considered how convenient having a credit card will be.

You can use a credit card to purchase items at any store.

Credit cards are often needed to make online purchases.

I don’t know what I would do without my credit card when I want to buy something online.

Convenience aside, credit cards are also really important to have for emergencies.

The first time my car broke down I was so happy I had a credit card to pay the tow truck.

Obviously, credit cards are very useful, but before you get your first credit card you need to know the following things.

1. Shopping for a Credit Card

Before you get your first credit card, you need to go shopping for a credit card.

You may get credit card offers in the mail and be tempted to apply for the first offer you receive.

However, there is no need to limit yourself.

Not only can you shop for credit cards at websites like credit.com, but you can even apply for a credit card at your bank or credit union.

Sometimes, applying for a credit card at one of these places is actually better.2

This is because as a first time credit card owner you won’t have very much credit, and your bank or credit union may be more forgiving of this.

As you are looking for a credit card, whether it is online, at a bank, or at a credit union, you will need to do some comparison shopping.

Comparing Credit Cards
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