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I often recommend keeping a backup card at home in a safe place in case your wallet is ever lost or stolen.
The more cards you have, the more you will need to keep track of, so having just a few can help you simplify your overall credit card management.
I recommend taking a daily "money minute" — time set aside everyday to get a snapshot of your money. If you miss a payment, it will show up on your credit report and likely dock your credit score significantly. Any money you take out as a cash advance is charged a higher interest rate than the rest of your credit card balance, plus an additional transaction fee.
Your credit card provider might also increase your card's interest rate. It's typically much more affordable to get cash with your debit card, so you can help avoid fees and interest on the amount you withdraw.
Many credit card issuers will offer a 0 percent APR for the first couple of months of use, and then raise it after that initial term. Typically, this APR is offered to customers with excellent credit and a strong credit history.
But you need them to help establish a credit history, which is essential for doing things like renting an apartment, buying a car, or sometimes even landing a job. Building your credit history via a credit card can be an effective way to help your credit score.
Understanding how credit cards work can make or break your financial future., walks us through the basics of interest rates, late payments, credit scores, and everything else you need to know about how credit cards affect your life. Think about it: Who are you more likely to trust — your best friend from elementary school or a stranger you just met on the street?
What's the best "starter" credit card, if that exists?
This depends on a number of factors including who you prefer to bank with and what your needs are.