When Did You Get Your First Credit Card?

Hi payout, Last month, i have received my very first credit card, i'm happy and a little worried about it.. It's my first having a credit card, I'm trying to ask some tips and guides on how to handle it properly to avoid having bad credit problems.. I have recently created a discussion about it here in mylot... i'm a bit happy about some of the response.. it had given me ideas.. Here's the link on my discussion on it.. http://www.mylot.com/w/discussions/2269662.aspx Thanks and more power!...

I have three credits cards I used all of the cash advances there for my business. I loan money from it. and I also use it from buying items online. I used it when i bought my Director's Cut DVD of my favorite Korean series. It really helps me a lot, I am glad I have a credit card on time of pre selling of that Items. You are very lucky to get approved, because some of the people are longing to have a credit card and they find it difficult to be approved. I want to have another credit card because i will be using the cash advance again for my business. The only disadvantage of credit cards is you have to pay the billing with interest. As long as my business will went out fine i will cut the cards.

Do you use it a lot or a little? I use it only when I need it. When did you get First Credit Card? I got my first credit card about 4 years ago. I didn't want one when I was younger because I knew I was not responsible enough to have one. My card has a small credit limit and is easy for me to pay back. Do you have more then One? I only have one card and will keep it that way.

i've got my first up to fourth credit card years a ago while im still working a the bank. but after realizing that its only a temptation then i closed all of them. if you have credit card you will always tempt to buy things out no matter how expensive it is as long as its still within your credit limit. the at the end of the month once you received your credit card statement only then you will realize that you already use your whole month salary in it and left nothing but just an allowance. sometimes even if you already pay them for installment, you will not know that it become bigger due to interest.

I got my first credit card after I started working. But I use the card only when it's absolutely necessary. I have seen many cases where my friends overspend simply because they make almost every purchases with their credit cards. It can be tempting at times because you can get the stuff you want just by signing, even without enough money. But it would be better to pay with cash if possible.

hi! I have never have a credit card, so that's why my answer is NEVER :) because I really don't need one- you see, i am a student and i don't have any work, and as we all know the credit card means that you must pay taxes for it every month and the poor students like me don't have money for this "gadget" :) well, i have a debit card, which i use to shop with or to withdraw money from it, but the difference is that I don't have to pay any fees for it

hi there payout, well i do have a credit card and I got it when i was 16. It was my birthday and my mom gave it to me, actually she gave it to me after she picked me up from school. At first i was really hesitant and guilty in accepting that card cause i have a bad news for that day to my mom (school stuffs) but since it would ruin the moment then i chose not to tell her the news and take the card anyway..haha.. Right now i still use that card but i rarely use my credit card. I only use it for emergency and stuffs or if i just need to buy something and I don't have some cash with me. I mostly use my debit card instead. ^_^

I have three credits cards I used all of the cash advances there for my business. I loan money from it. and I also use it from buying items online. I used it when i bought my Director's Cut DVD of my favorite Korean series. It really helps me a lot, I am glad I have a credit card on time of pre selling of that Items. You are very lucky to get approved, because some of the people are longing to have a credit card and they find it difficult to be approved. I want to have another credit card because i will be using the cash advance again for my business. The only disadvantage of credit cards is you have to pay the billing with interest. As long as my business will went out fine i will cut the cards.

I got a credit card from my mom. She gave me a credit card 2 years ago and it was named after me. So I was happy. And I tried to use it. I ordered a CD from the internet and after that, she became mad at me. She said it's just for emergency purposes. So after that, I never used my credit card again.

We got one for convenience when we took our sons to Florida in about 1989. There has only been one month since then that we didnt pay off the whole balance & that was a time when we had to make an unexpected major purchase and couldn't transfer funds quick enough. If we know we cant afford to pay for something by the time the card payment is due, we dont buy it. Simples.

I worked for a credit card company for the past two years.But it was only lately when i decided to own a credit card.I am only a complimentary card on my first card.My friend gave it to me as a gift last December.It has only 100 dollars credit limit which is already quiet big in our currency.After a couple of months,i have realized that my limit is not enough to cover all my expenses.So i decided to apply for a card.and i am happy that last march i was approved by our local bank with the limit of 200 200 dollars. just like you i am also very happy that i am already owning one credit card.Just continue the good habit in paying your credit card in full.so you won't get any problem in the near future.just always remember the advices that I have given you in the discussion that you have made as well about credit card.if in case, you will have some questions about credit card,do not be afraid to approach me.i will be very much willing to help you.happy mylotting

I've had a credit card since I was 18; I'm 60 now. I use my credit card quite a bit, but most of the time, I pay it off each month. I use to have three credit cards; I cancelled one about 6 months ago and I plan to cancel the second one in a few months.

I don't have a credit card cause i have a ATM plus debit card linked to my bank account .....also i feel its safer to have a debit card than a credit card....firstly you don't spend enough as you know that there is very limited money in your account...secondly you cant buy something really expensive if you don't have money enough in the account...thirdly you don't have to worry for paying the money after wards(as it has been deducted from your bank account:)...

I have a credit card. I use it a lot to earn more points since its very convenient to pay now. I'm paying it online so no need to go to a bank to pay my bills. I get my first card a year after I have my 1st job. I have 2 credit cards. I'll be closing the second one since I don't like their customer service. It sucks. I'll be sticking with my first credit card.