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90sAltRockLover OP t1_iwbnrye wrote

Reply to comment by Tinkiegrrl_825 in Just a word of advice (or a very brief rant) by 90sAltRockLover

Thanks for the advice. After reviewing the comments, I will look into getting a credit card. Having quite a bit of student loan debt made me hesitant with ever getting a credit card, but this experience has definitely changed my mind!

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displacedfantasy t1_iwbuov4 wrote

The trick is to treat it like cash rather than a loan. Pay it off completely every month, or sooner. This will prevent you from overspending, so you’ll never pay any interest, plus you’ll benefit greatly from all the points

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Tinkiegrrl_825 t1_iwbva3x wrote

Make sure you track what you spend on a credit card and NEVER spend more then you have in checking to pay it. Pay in full every month. You avoid interest on credit cards this way. For a first card, look for something with no annual fee and some cash back rewards. Both Discover and Capital One have pre approval pages that won’t hard pull your credit and tell you ahead of a full application what cards, if any, you can get. You can eliminate some of the risk of being declined for a card this way. If you have an IPhone Apple Card is complexly risk free to apply for. You only get a hard pull IF you are approved and you accept the offer

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