Credit Cards Are Good... If Used Responsibly and Strategically

Apply for a credit card, but just know not all credit cards are good. Some give you no benefits. Some give you great benefits like cash back and insurance on your phone or other perks. Only spend what you will be able to pay at end of month, never more. The idea is to always pay your balance in full! If you don’t, then you have to pay interest which will make you lose money. Paying in full is a good thing for your credit.