Girl Talk on Yik Yak | I PROMISE credit cards are not as scary as you think. People think having debt=bad. But now is the prime time to establish history which is so so important when it comes to bigger purchases/getting approved for lower interest rates later on

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Girl Talk 15w

I PROMISE credit cards are not as scary as you think. People think having debt=bad. But now is the prime time to establish history which is so so important when it comes to bigger purchases/getting approved for lower interest rates later on

Girl Talk 15w

Ladies PLEASE if you are 20+ you need to have a credit card. Especially if you don’t have student loans or do and won’t make any payments until after graduating. Even if you buy a bag of chips and pay it off each month. Building credit is a NECCESSITY

Anonymous 15w

And don’t just listen to me do your research on what is best for YOU.

Anonymous 15w

IF YOU CANT PAY IT OFF DONT GET IT

Anonymous

OP 15w

Using a credit card to purchase something even small each month that you would regularly buy with a debit card or cash helps establish credit history and a history of on time payments!

Anonymous

OP 15w

Each month I typically use it for about $50-100 on something I would already be buying. This can be gas’s, groceries, toiletries/hygiene products. And pay it off in full. It doesn’t have to be used for big purchases. Don’t treat it as “oh now I have x much more money to spend!”. I promise you’ll thank yourself once you get a few months recorded and you see your cc score grow!