Before you take on ANY debt consider your alternatives.
Use Your ATM or Debit Card
They can often be used in the same way as a credit card and they frequently cost you nothing to use.
Create a Spending Plan
If you chose to get a credit card make a spending plan and stick to it!
Remember Credit is Borrowed Money
If you choose to take on debt, never forget that it is borrowed money and you will have to pay it back plus interest.
Know the Terms of Your Credit Card Agreement.
When you get a new card carefully read the documents that come with it, before you activate it. Later when you get new documents from your credit card company read them carefully. If you don't like the new terms close the account and get a new card that meets your requirements.
Know Your Own Weaknesses
If you are honest with yourself about those weaknesses you will be better able to avoid the temptation to overuse your credit cards.
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