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nhyrum

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im thinking about getting a credit card, but i tend to have spending problems, what should i do?
im thinking about getting a credit card, but like i said, i tend to spend money fast while i have it? is getting a credit card a good idea? what kinds of things should i look fir in a credit card and a credit card company?

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It's good that you recognize your tendency toward spending problems. That's a great start. That said, whether it's a good idea to get a credit card or not is hard to say. Having a credit card (and managing it well) is important if you want to build your credit score -- and so much depends on our credit scores, these days. Having a credit card can also, if you're careful, help you work on your financial discipline. Having a credit card is the most convenient and safest way to shop online. But of course, it can also be an awful temptation! If you're going to try for a card, your first one will probably need to be a secured card (one on which you make a deposit and are given a credit line equal to or slightly more than the money you put in). Look for one with reasonable fees. And possibly one that you can later convert to an unsecured card once you've proven your ability to handle the credit. A lot of people here recommend a secured card from Orchard Bank, but I have no experience with that myself. Good luck!

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