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Okay start searching for the right one.
I just turned 21 and I think I'm ready to open up a credit card account myself
No!!! all the ones I've seen have really high interest rates
Have you found a good card yet?
What is APR mom?
Make sure you know the APR, the interest rate and the annual fees
Okay, I get it. I think its almost time to get one.
It means annual percentage rate, and its the rate of interest you pay back to the bank.
Thank you so much Ms. Lisa
Well I'm glad I could help you find the right credit card for you.
I promise I'll keep up with everything and pay my bills on time mom. Thank you>
Now that you have it be responsible. Pay your limit on time and in full every month. Make sure to keep up with your score and keep up with your credit report.
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