subject: Credit Cards for First Timers [print this page] In the end, what will determine if a credit card will be to your advantage or disadvantage though is not just your choice of card, but in how you use the card. Use you card wisely. Make payments on time, and factor in all your credit card purchases when budgeting. Whether it is your first time having a credit card or not, if you can handle your finances well, then you can be certain that having a credit card will work for you.
