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How to Use a Credit Card for the First Time

12 min read
Last Updated: April 10, 2025
Getting a credit card

Key Takeaways

  1. You can build a good credit history by using your first credit card responsibly, including making on-time payments and keeping your balance low.
  2. A cash advance from your credit card can be costly and may be best for emergencies.
  3. Review your monthly credit card statement for purchases you didn’t make and call your issuer if you suspect fraud.

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