Want a Credit Card?
Kimberly & Flora
Know the Pros and Cons
Credit cards allow for flexibility in spending, but one must have a lot of self-control to manage one correctly. Not only that, but it also allows you to carry much less cash, meaning more room in your wallet. And, if you are responsible enough, you can even establish good credit, which is necessary to get a good loan when buying a house!
Important Information
Know Your Options
There are different credit card companies that you can choose from. Be careful to read the fine print when you apply, and make sure you know their policies before you start.
Know the Risks
Risks are always a part of having a credit card. The basics of having one is you buy now, and pay later. Make sure you know that if you pay back the minimum you will have to pay more than you actually spent in interest. Never spend more than you can immediately pay back in full.
Be Responsible
Having a credit card means having self-control! If you think you are a compulsive buyer, credit cards may not be for you. Responsibility is a big part of owning one and managing one. Refuse to be responsible, and you can hurt your credit for months to come!
It's Up to You!
Do you think you're responsible enough for a credit card? If so, apply now!