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littlecatcher

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should u have a credit card ? if so how do u go about getting one?

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Some great benefits of credit cards:

- You don't have to carry a lot of money when you go out.

- A special kind of loan: slide your card first before actually using cash (maybe through debit card) to pay for your expenses

- Easy to track your expense

- Rewards (if you have rewards card)

- Cool thing to show off

You have to apply to get one. Which card to start applying depends on a lot of things, but mainly your credit report/score and your preference. First thing you should do is to obtain a free copy of all 3 credit reports of TransUnion, Equifax and Experian from www.annualcreditreport.com. You can do that every year for free. You may have an idea of your score through Credit Karma already.

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