Confused About Credit Cards? A Beginner's Guide

Hey there,

So, I’m new to the whole credit card thing and feeling a bit overwhelmed. I know they can be helpful, but I’m not sure where to start. Can anyone recommend some good credit cards for beginners? I’m looking for something that’s easy to manage and has some decent rewards.

I felt the same when I started. I went with the Discover it card—super easy to handle and they match your cash back at the end of the first year. Rewards are sweet, and no annual fee :ok_hand:

Each month, make a complete payment. It is poor advise from anyone who suggests carrying a balance. When you pay it off in full each month, there is no interest added, your credit utilization remains at 0%, and your payment history is constant.