I just got my first credit card and i'm LOVING it!! I never have to carry cash in my wallet anymore! I love how I can pay it all off at the end of the month, unless I go over my budget, which leaves me with having to pay extra money to pay it off next month.
I have to be extra careful not to misplace my card because someone could take it and use it
I have been learning about how my credit card will effect my credit score! If I am responsible with using my credit card, like paying it off, not going over my limit, and using it wisely, my credit score will improve!
If I'm not responsible with my credit card, my credit score could go down, which will leave me to paying higher interests, which they can do because of the Equal Credit Opportunity Act.