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If you make a late loan payment, it will cost you more and is bad for your credit score. If you don't make any payments on things giving you credit they can take everything you own for collateral.

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No interest rate increase for first year. No interest rate increase on current balances. Limits on fees and penalties. Billing statements.

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Don’t give out your credit card number or other personal information over the phone unless you know with who you’re doing business. Even then, before revealing any personal information, find out how it will be

used or shared with other people.

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I recommend using this card if you eat out alot  because you get cash back for using it at restaurants.

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Your should always check your credit reports regularly incase of identity theft. You could be charged for items that you did not buy if you don't
check quickly enough. Some credit card companies offer money back if you did not make this purchase.

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Its good to know what your benefits are with a credit card company. Some are better than others and can help you out even more if you are a beginner or a college student.

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Its important to have a 0% APR. Most places offer this. This is that much extra that you won't be charged for using a credit card

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Its good to find a credit card with a low interest rate or it would be best if you could get a card with zero interest for a certain time period

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If you pay off your credit cards and make payments on time, your credit score won't go down.

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It's good to have good credit to get lower interest rates on loans and credit cards.