Should I get a credit card? How do you choose the best credit card?

Question

What is the best credit card for first time user and the benefits I can get from a credit card? How do you choose your main card?

Answer

A credit card can be your protection from loss or failure if used correctly. Most people have bad connotation about plastics this is more because of how one uses it for their wants instead of their needs. There lies the difference between using it responsibly and using it in an abusive way. Debit card works inversely compared to credit card because with debit you need to have funds on your account. You should look for a card without an annual fee and a low or zero introductory interest rate. Just make sure though not to use up more than 30% of the credit limit that way your credit score would look good. Try Chase, Citi and Bank of America I heard they’re good.

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