Now this is going to be very short and sweet. If you can't be responsible, then don't get a credit card. Simple as that. I could end it there but I want to elaborate a bit. I see all these companies promoting their secured credit cards and offers, but then again these other entire people think it is a way for them to go crazy and just start buying whatever they want.
Are you one of these people? Are you someone who really thinks that all you need to do is just get a card and shop? I would hope not. These are the people who are not responsible and wind up getting into huge financial problems because they are NOT responsible
Also they are lacking the education needed for that credit card. Common baby... let's get real. Hear me out. I am not just trying to preach to you and tell you something you already know, I don't do that stuff. What I am trying to do is see if you are really the person who should be carrying around a card that can possibly buy you anything you want.
Think about that for a second. That little piece of plastic in your hands can get you ANYTHING you want, well as long as your credit limit allows you too of course.
You can learn about a credit limit here.
If you have a really big credit limit, then you must be the most responsible.
The great thing though is that I see young people who are taking courses on money and actually know what to do when they get that plastic card in their hands; They know that it is NOT a toy. It is a tool to help build their credit so in the future they can go out and get things like cards, houses etc.
You build equity in yourself, which is what is most important. Now do you see how important this is. Man this is real talk.
The Credit Card Scariness - Don't Be Too Scared
Many people are scared of their credit cards. They don't know how to handle them. It takes true responsibility to be able to handle what it takes to manage and go through life with one of these plastic cards.
Do you have a credit card that you want get? Are you looking into the big credit card companies to pick one. Just make sure that you are getting into a legit company that you have heard of. Well you know what I mean, the card companies that are advertised all over the bill boards and are showing commercials everywhere. You don't really have to worry about like a Chase Bank card scamming you because they are so well know. All they want to do is make their customers happy.
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