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Build Credit With a Single Credit Car

In order to begin establishing credit, you can focus on using one card and keeping the balance as low as possible. And, in order to ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

Focus on Building an Emergency Fund

Many of these cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund. Part of building your credit score requires using your credit and making your payments on time. Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money and in the end, put you in debt and actually ruin your credit. It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

Use Only What You Need

There are credit cards for nearly every type of purchase. If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards. In order to keep control of your debt, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.

Consider Your Spending Habit

If you never use a credit card, you might wonder whether it's worth the risk of getting yourself into debt, even with just one card. If you examine your monthly spending habits, however, you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash. Whether it's groceries, fast food, gas or travel, you can simply plan to use your card for those particular purchases. This allows you to build your credit score and limit your debt on expenses you plan to make anyway. Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.

Use a Debit Card for Convenience

Although it's generally recommended to use at least one credit card to begin building your credit, if you look at your spending and income, and you aren't sure you can manage the account responsibly, it may be best to wait. These days, a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals. If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

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Muhammad Haziq bin Izaaq, See Qi Yang, Sharon Leong Yoong Ser, Yuki Hirai, Yuta Matsuo, Abdul Qayyum bin Yazid

# data[].attributes.subject
Muhammad Haziq bin Izaaq, See Qi Yang, Sharon Leong Yoong Ser, Yuki Hirai, Yuta Matsuo, Abdul Qayyum bin Yazid

# data[].attributes.body
1) Build Credit With a Single Credit Card

·        Focus on using one card and keeping the balance as low as possible if you aren't sure you can handle credit card.

·        In order to ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

2) Consider Your Spending Habits

·        If you never use a credit card, you might wonder whether it's worth the risk of getting yourself into debt, even with just one card.

·        If you examine your monthly spending habits, however, you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash.

·        Whether it's groceries, fast food, gas or travel, you can simply plan to use your card for those particular purchases.

·        This allows you to build your credit score and limit your debt on expenses you plan to make anyway.

·        Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.

3) Use Only What You Need

·        There are credit cards for nearly every type of purchase.

·        If you are fairly new to the world of credit, there's almost never any reason to carry multiple credit cards even if they each focus on rewarding a particular type of purchase.

·        If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards.

·        In order to keep control of your debt, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.

4) Focus on Building an Emergency Fund

·        Because of the high interest rates often associated with new credit cards, they aren't always ideal for emergency situations.

·        Many of these cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund.

·        Part of building your credit score requires using your credit and making your payments on time. Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money and in the end, put you in debt and actually ruin your credit.

·        It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

5) Use a Debit Card for Convenience

·        Look at your spending and income, and you aren't sure you can manage the account responsibly, it may be best to wait.

·        These days, a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals.

·        If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Jane Lee Le Xuan,Elaine Khoo Sue Mae, Lim Hui Ying,Tan Ying Hui, Goh Fang Chin

# data[].attributes.subject
Jane Lee Le Xuan,Elaine Khoo Sue Mae, Lim Hui Ying,Tan Ying Hui, Goh Fang Chin

# data[].attributes.body
1)Build Credit with a Single Credit Card
- if responsibly managed, one credit card can be just as beneficial, if not more beneficial to establishing good credit than an entire wallet full.Focus on using one card and keeping the balance as low as possible.Ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

2)Consider Your Spending Habits
- Whenever you plan to buy groceries,fast food or travelling, you can use your card to purchase it.This allows you to build your credit score and limit your debt on expenses you plan to make anyway.

3)Use Only What You Need
- If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards.
- Keep control of your debt, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.

4) Focus on Building an Emergency Fund
- many of these cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund.
- Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money and in the end, put you in debt and actually ruin your credit.
-  Focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

5) Use a Debit Card For Convenience
- Debit card is acceptable for almost all types of credit card purchases.
- If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Nicholas Tan Yi Hong, Nixon Teoh Hong Chin, Ivy See, Angelin Tan Li Xin

# data[].attributes.subject
Nicholas Tan Yi Hong, Nixon Teoh Hong Chin, Ivy See, Angelin Tan Li Xin

# data[].attributes.body
1) Build Credit with a Single Credit Card

- If responsibly managed, one    credit card can be just as beneficial, if not establishing good credit than an entire wallet full.
- Focus on one card and keeping the balance as low as possible if not sure that you can handle credit.

2) Consider Your Spending Habits

- Examine monthly spending habits will able to see that many spending opportunities that could use a card for instead of cash.
- Allows you to build credit score and limit your debt on expenses.

3)Use Only What You Need

- High interest charged and interest cancels our any benefits or rewards if you font able to pay your balance in full each month.
- Examine the type of purchases you make often and then select one or two cards that can use to keep control of your debt.

4) Focus on Building an Emergency Fund

- High interest rates often associated with new credit cards,the aren't always ideal for emergency situations.
- Annual fees become expensive if you simply want to use them as an emergency fund.
- It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

5)Use a Debit Card For Convenience

- Use at least one credit card to begin building your credit and it may be best to wait if you aren't sure you can manage the account responsibly.
- Debit card is acceptable for almost all rentals.
- If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position.

# data[].attributes.headline
Wong Yeong Ying, Lee Hui June, Stanley Low, Chong Zhi Ren 

# data[].attributes.subject
Wong Yeong Ying, Lee Hui June, Stanley Low, Chong Zhi Ren 

# data[].attributes.body
1) Build Credit With a Single Credit Card
-We must consider when applying a credit card so we don't have to sign up for every card that sends you an approval notice.
- If we are not sure can handle our credit or not, we can focus on using one card and  k eep our revolving balances as low as possible.
-E nsure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

2)Consider Your Spending Habits
-Examine your monthly spending habits. However, you can see that you already have many spending opportunities that you could use a card for instead of cash.
- They are an convenient plan to use your card for those particular expenses.
- The best way is limit your debt on expenses you plan to make anyway.

3) Use Only What You Need

-if you unable to pay your balance in full each month, you will get charged high interest

-To control your debit, you should examine the type of purchase you make most often and select one to two cards that you can use for those purchase

4) Focus on Building an emergency fund
-high interest rates often associates with new cards, they aren't ideal for emergency situations.

-annual fees also become expensive if you simply wat to use them as an emergency fund.

-the best way for emergency situations is focus on saving money for building an emergency fund rather than relying on credit card.

5) Use a Debit Card for Convenience

-generally recommended to use at least one credit card to begin bulding your credit.

-you are unable to manage your account responsibly and you look at your spending and income.

-debit card is acceptable for almost all types for crdit card purchases, if you no prepare to manage a credit card, you can have a debit card.

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Chua Siang Teng, Tan Pei Yi, Kong Sue-Vynn, Nur Emilyn Yap, Tan Hui Lin

# data[].attributes.subject
Chua Siang Teng, Tan Pei Yi, Kong Sue-Vynn, Nur Emilyn Yap, Tan Hui Lin

# data[].attributes.body
1. Build credit with a single credit card
if you're responsible to manage, one credit card can be just as beneficial, if not more beneficial to establishing good credit than an entire wallet full. Focus on using one card and keeping the balance as low as possible.
2. Consider your spending habits
examine your monthly spending habits, so you'll be able to see that you've already many spending opportunities that you could use a card instead of cash. Also, this allows you to build your credit score and limit your debt on expenses you plan to make anyway.
3. Use only what you need
In order to keep control of your debts, the best is to examine the type of purchases that you usually make and then select one or two cards that you can use for those purchases.
4. Focus on building an emergency fund
Many of these cards carry annual fees that can become expensive if you simply want to use them as an emergency fund. It's the best to focus on saving money and building an emergency instead of relying on a credit card that could cost you significantly more in the end.
5. Use a debit card for convenience
These days, a debit card with the visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals and more.

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Ng Jason , Gabriel Chua chin seng, kok yin loon, Choo Jia Le ,yeow wei wen

# data[].attributes.subject
Ng Jason , Gabriel Chua chin seng, kok yin loon, Choo Jia Le ,yeow wei wen

# data[].attributes.body
Build Credit With a Single Credit Card
if responsibly managed, one credit card can be just as beneficial, if not more beneficial to establishing good credit than an entire wallet full. If you aren't sure you can handle credit, focus on using one card and keeping the balance as low as possible. And, in order to ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

Consider Your Spending Habits
If you never use a credit card, you might wonder whether it's worth the risk of getting yourself into debt, even with just one card. If you examine your monthly spending habits, however, you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash. Whether it's groceries, fast food, gas or travel, you can simply plan to use your card for those particular purchases. This allows you to build your credit score and limit your debt on expenses you plan to make anyway. Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.

Use Only What You Need
, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases. Because of the high interest rates often associated with new credit cards, they aren't always ideal for emergency situations. In fact, many of these cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund. Part of building your credit score requires using your credit and making your payments on time. Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money and in the end, put you in debt and actually ruin your credit. It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

Use a Debit Card for Convenience

Although it's generally recommended to use at least one credit card to begin building your credit, if you look at your spending and income, and you aren't sure you can manage the account responsibly, it may be best to wait. Before debit cards, this meant going without the convenience of plastic. However, these days, a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals. If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Pong Jing Ching,Toh Pik Yong,Lee Sin Yi,Loh Zhi Xin,Grace Goh Man Jing.

# data[].attributes.subject
Pong Jing Ching,Toh Pik Yong,Lee Sin Yi,Loh Zhi Xin,Grace Goh Man Jing.

# data[].attributes.body
1)Build Credit With a Single Credit Card.
-don't have to sign up more cards,one credit card is enough.
- If you aren't sure you can handle credit, focus on using one card and keeping the balance as low as possible.

2)Consider Your Spending Habits
-you might examine your monthly spending habits,so you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash.
-This allows you to build your credit score and limit your debt on expenses you plan to make anyway.

3)Use Only What You Need
-spend on necessary goods only.
- If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards.

4)Focus on Building an Emergency Fund
-having liquid assets.
-make your payments on time.
-Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money and in the end, put you in debt and actually ruin your credit.

5)Use a Debit Card for Convenience
-a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals.
-If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

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Russel Lim Feng Han , Chong Xin Yen , Tan Jun Yin , Tee Ai Chin , Toh Wan Jing 

# data[].attributes.subject
Russel Lim Feng Han , Chong Xin Yen , Tan Jun Yin , Tee Ai Chin , Toh Wan Jing 

# data[].attributes.body
1) Build credit with a single credit card
- Don't have to sign up for every card that sends you an approval notice. Focus on using one card and keeping the balance as low as possible. Beside, in order to ensure the debt doesn't grow ot of control, it is crucial that you are diligent in paying your entire balance in full every month.

2) Consider your spending habits
- If you examine your monthly spending habits, you will likely be able to see that you already have many spending opportunities that you could use a card for instead of cash. Furthermore, many cards offer extra rewards and benefits, depending on the type of purchase you make.

3) Use only what you need
- If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards.Beside, in order to keep control of your debt, it is usually best to examine the type of purchase you make most often and select one or two cards that you can use for those purchases.

4) Focus on building an emergency fund
- Many of these new credit cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund. It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

5)Use a debit card for convenience
- These days, a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals.  If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Andy Hong Phing Cai, Ng Pin Xuan, Ng Yi Suan, Mika Imon, Masaki Soejima

# data[].attributes.subject
Andy Hong Phing Cai, Ng Pin Xuan, Ng Yi Suan, Mika Imon, Masaki Soejima

# data[].attributes.body
1) Build credit with a single credit card
- If you're not sure you can handle credit, focus on applying one credit card only or one type card only.
- Keep you balance as low as possible and to ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

2) Consider your spending habits
- When applying a credit card, you can examine your monthly spending habits. Using your credit card when u purchases groceries, buying clothing, or cosmetics. This allows you to build your credit score and limit your debt on expenses you plan to make anyway. Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.

3) Use only what you need
- If you want to keep control on your debt, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchase. Just focus on rewarding a particular types of purchase.

4) Focus on building an emergency fund
- Credit card are always not ideal for emergency situations because of their higher interest rate. Furthermore, these cards also carry annual fees that can become expensive. Therefore, to avoid any complication, we have to make sure that we make the payment on time.

5) Use a debit card for convenience
- If you don't know how to manage your income and spending, you can try to use debit card. Debit card with the Visa or Master Card logo can take the place as credit card to purchase something, including car rentals. It is better way you wait until you can mange your account responsil.

# data[].attributes.headline
ELAIN ANG JIA CHEE, FIONA LEE JIA LING , HARUKA HORISAWA , KEISUKEI TSUTSUMI, TAICHI ISAGO

# data[].attributes.subject
ELAIN ANG JIA CHEE, FIONA LEE JIA LING , HARUKA HORISAWA , KEISUKEI TSUTSUMI, TAICHI ISAGO

# data[].attributes.body
1) Build Credit With a Single Credit Card

If you’re not sure you can handle credit, focus on applying one credit card only or one type card only. Keep you balance as low as possible and  to ensure your debt doesn’t grow out of control ,it’s crucial that you are diligent in paying your entire balance in full every month.

2)  Consider Your Spending Habits

When applying a credit card, you can examine your monthly spending habits. Using your credit card when u purchases groceries , buying clothing ,or cosmetics. This allows you to build your credit score and limit your debt on expenses you plan to make anyway. Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.

3. Use only what you need.
If you want to keep control on your debt, it’s usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchase. Just focus on rewarding a particular types of purchase.

4)Focus on Building an Emergency Fund

Credit cards are always not ideal for emergency situations because of their higher interest rate. Furthermore, these cards also carry annual fees that can become expensive. Therefore, to avoid any complication, we have to make sure that we make the payment on time.

5. Use a debit card for convenience.

If you don’t know how to manage your income and spending, you can try to use debit card first before applying a credit card. Debit card with the Visa or MasterCard logo can take the place as credit card to purchase something, including car rentals. It is better way you wait until you can manage your account responsil.

# data[].attributes.headline
Chong Xin Ee ,Liang Hui Li ,Lau Wan Ying ,Aric,Ho Khwan

# data[].attributes.subject
Chong Xin Ee ,Liang Hui Li ,Lau Wan Ying ,Aric,Ho Khwan

# data[].attributes.body
1.Build Credit With a Single Credit Card
Don't  sign up for every card that sends you an approval notice.
Focus on using one card and keeping the balance as low as possible.Diligent in paying your entire balance in full every month.
2.Consider Your Spending Habits
Examine your monthly spending habits.Simply plan to use your card for those particular purchases.This allows you to build your credit score and limit your debt on expenses you plan to make anyway.
3.Use Only What You Need
Examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.
4.Focus on Building an Emergency Fund
Many of these cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund. It's best to focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.
5.Use a Debit Card for Convenience
Although it's generally recommended to use at least one credit card to begin building your credit, if you look at your spending and income, and you aren't sure you can manage the account responsibly, it may be best to wait.  If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee

# data[].attributes.subject
Yong Sze Khai, Sri Gauri Sangkar, Low Siew Hui, Ng Jia Hui, Chieiu Hui Shee

# data[].attributes.body
1. Build credit with a single credit card
-You don't have to sign up for every card that sends you an approval notice if your goal is to begin establishing credit. And, in order to ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

2. Consider your spending habits
-If you never use a credit card, you might wonder whether it's worth the risk of getting yourself into debt, even with just one card.If you examine your monthly spending habits, you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash.

3. Use only what you need
-If you are fairly new to the world of credit, there's almost never any reason to carry multiple credit cards even if they each focus on rewarding a particular type of purchase. In order to keep control of your debt, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.

4. Focus on building an emergency fund
-Many of these new credit cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund.It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

5. Use a debit card for convenience
-In these days, a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals.  If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Pok Xiao Lin, Lim Hui Thing, Toh Tao Jie, Verona Tan Xiang Ni, Gan Li Hui

# data[].attributes.subject
Pok Xiao Lin, Lim Hui Thing, Toh Tao Jie, Verona Tan Xiang Ni, Gan Li Hui

# data[].attributes.body
1)Build Credit With a Single Credit Card

You don't have to sign up for everycard that sends you an approval notice. Besides, if you aren't sure you can handle credit, focus on using one card and keeping the balance as low as possible.
2)Consider Your Spending Habits

If you examine your monthly spending habits, however, you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash. Whether it's groceries, fast food, gas or travel, you can simply plan to use your card for those particular purchases. Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.
3)Use Only What You Need

If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards. Therefore, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.
4)Focus on Building an Emergency Fund

Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money. It's best to instead focus on saving money and building an emergency fund.
5)Use a Debit Card for Convenience

A debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals. If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Tham Jie Shi,Cristy Fo Hui Chi,Goh Wei Xuan,Ho Chin Han,Devi

# data[].attributes.subject
Tham Jie Shi,Cristy Fo Hui Chi,Goh Wei Xuan,Ho Chin Han,Devi

# data[].attributes.body
1) Build Credit With a Single Credit Card

If you’re not sure you can handle credit,focus on applying one credit card only or one type card only. Keep you balance as low as possible and settle down all your payments to avoid debt.Besides,when applying a credit card,make sure that you are paying your entire balance in full every month to avoid your debt grow out of control.

2)  Consider Your Spending Habits

When applying a credit card,you can examine your monthly spending habits.Try to purchase using your credit card. This will increase your credit scores as well as extra rewards and benefits.

3)Use Only What You Need

If you aren't able to pay your balance in full each month, you will be charged by high interest.Therefore,you can just applying a credit card when you are sure you can handle the credit.In order to keep control on your debt, examine what kind of purchases you are making. The benefits and rewards will be cancelled if you failed to make payments on time to time.

4)Use a Debit Card for Convenience

If you dont know how to manage your income and spending, you can try to use debit card first before applying a credit card.

5)Focus on building an emergency fund

Credit cards are always not ideal for emergency situations because of their higher interest rate.Furthermore,these cards also carry annual fees that can become expensive.Therefore, to avoid any complication, we have to make sure that we make the payment on time.

# data[].attributes.headline
Chong Chun Heng, Ng Kai Man, Tan Xin Yee, Ong Jie Ying, Tan Zhe Wen

# data[].attributes.subject
Chong Chun Heng, Ng Kai Man, Tan Xin Yee, Ong Jie Ying, Tan Zhe Wen

# data[].attributes.body
1)Build Credit With a Single Credit Card
Focus on using one card and keeping the balance as low as possible if you aren't sure you can handle credit card. Therefore, in order to ensure your debt doesn't grow out of control, it's crucial that you are diligent in paying your entire balance in full every month.

2)Consider Your Spending Habits

If you never use a credit card, you might wonder whether it's worth the risk of getting yourself into debt, even with just one card. If you examine your monthly spending habits, however, you'll likely be able to see that you already have many spending opportunities that you could use a card for instead of cash. Whether it's groceries, fast food, gas or travel, you can simply plan to use your card for those particular purchases. This allows you to build your credit score and limit your debt on expenses you plan to make anyway. Plus, many cards offer extra rewards and benefits, depending on the type of purchase you make.

3)Use Only What You Need

There are credit cards for nearly every type of purchase. However, if you are fairly new to the world of credit, there's almost never any reason to carry multiple credit cards even if they each focus on rewarding a particular type of purchase. If you aren't able to pay your balance in full each month, you are not only charged high interest, but you will find that the interest cancels out any benefits or rewards. In order to keep control of your debt, it's usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchases.

4)Focus on Building an Emergency Fund

Because of the high interest rates often associated with new credit cards, they aren't always ideal for emergency situations. In fact, many of these cards also carry annual fees that can become expensive if you simply want to use them as an emergency fund. Part of building your credit score requires using your credit and making your payments on time. Holding a card in case of an emergency may not do anything to help your credit, could cost you extra money and in the end, put you in debt and actually ruin your credit. It's best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.

5)Use a Debit Card for Convenience

Look at your spending and income, and you aren't sure you can manage the account responsibly, it may be best to wait. However, these days, a debit card with the Visa or MasterCard logo is acceptable for almost all types of credit card purchases, including car rentals. If you aren't quite prepared to manage a credit card, there's no reason you can't wait until you are in a better position to do so.

# data[].attributes.headline
Rabiatul Azurin Binti Rosman, Gan Qian Han, Cha Jie Yee, Chua Shi Rou and Tan Kah Ke

# data[].attributes.subject
Rabiatul Azurin Binti Rosman, Gan Qian Han, Cha Jie Yee, Chua Shi Rou and Tan Kah Ke

# data[].attributes.body
1) apply for one credit card only
- it is better to use one credit card, to make sure that you have not borrowed many debt
2) control your expenses
- don’t use credit card to buy more expenses
3) use it for the emergency
- it is better for not using the credit card number until the emergency happens and you really need money, then you use it
4) use your debit card to purchase
- use more your debit card than your credit card for convenient
5) use it only what you really want
- you use it , if you haven’t take enough money to purchase it

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Christina Law Jing Yi ,Adam Chew Ming Zheng ,Ng Qing Ya , Ho Jin Jack , Er Pei Ling
1.Build credit with  a single Credit Card.
If you aren’t sure you can handle credit card, focus on using one card and keeping the balance as low as possible. And, in order to ensure your debt doesn’t grow out of control ,it’s crucial that you are diligent in paying your entire balance in full every month.
2. Consider your spending habit.
Use your card in some  particular purchases such as groceries, fast food, gas or travel .This allows you to build your credit score and limit your debt on expenses you plan to make anyway.
3. Use only what you need.
If you want to keep control on your debt, it’s usually best to examine the type of purchase you make most often and then select one or two cards that you can use for those purchase. Just focus on rewarding a particular types of purchase.
4. Focus on Building an Emergency Fund.
It’s best to instead focus on saving money and building an emergency fund, rather than relying on a credit card that could cost you significantly more in the end.
5. Use a debit card for convenience.
Debit card with the Visa or MasterCard logo can take the place as credit card to purchase something ,including car rentals.It is better way you wait until you can manage your account responsil

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Please read the article as attached. Based on your understanding of the text, list down the important factors to consider when applying a credit card.