Using Credit Cards 101: Beginners Building Credit

Are you looking to get a credit card? First, I want to ensure you hate debt and credit cards even more.

This is not a love/hate relationship; it is a hate/hate relationship. Debt and credit cards are evil and ruin lives.

That being said, they are a necessary evil. We must conquer their allure and use them effectively.

First, let's say $1,000 in our savings account. Next, we can ask for a credit card with a $1,000 limit.

This is the best way to ensure we never roll over a charge. If you can manage your credit card effectively, you'll enjoy all the benefits of leverage later in life. Good Luck!