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Here’s some information to help you benefit from your first credit card when you’re ready to get one, without giving up your financial freedom!

Are you ready for your first credit card?

Getting a credit card may seem like a great idea; however, you need to ask yourself first whether owning one will simplify or complicate your life. Here are some pointers to help you make an informed decision.

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How to get a credit card

Before applying for your first credit card, make sure you meet the eligibility requirements.

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How to access your credit report

Your credit report provides a snapshot of your financial habits. A poor credit report could be a major stumbling block when you apply for any kind of loan, a line of credit or a credit card.

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Avoid paying interest on your credit card!

Always remember that the money on your credit card is not yours. If you don’t want to pay interest on your credit card, here are some things not to do.

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Applying for a credit card on campus: Is it a good idea?

As tempting as it may be to accept an on-campus credit card offer, here are four good reasons not to accept the first offer that comes along.

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Tips to keep your credit card spending in check

It’s easy to feel like you can have it all after you get a credit card. But remember, you’ll have to pay for anything you put on your card, sometimes with interest. Here are a few tips to help you stay grounded and not end up owing money for things you can't actually afford.

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Holiday gift-giving: How to avoid putting it all on your credit card

Who wants an empty savings account or credit card bills to pay in January? Here’s how to plan your holiday gift-giving without using all your savings.

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