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What's the best "starter" credit card, if that exists?This depends on a number of factors including who you prefer to bank with and what your needs are.Financial institutions generally view a long, positive credit history as a sign of trustworthiness and may reward you with lower interest rates as a result.If credit cards are used wisely — you pay them off in full each month and never miss a bill — they can also be a tool to help you save.
Understanding how credit cards work can make or break your financial future., walks us through the basics of interest rates, late payments, credit scores, and everything else you need to know about how credit cards affect your life. Think about it: Who are you more likely to trust — your best friend from elementary school or a stranger you just met on the street?The average variable APR rate — that is, one that changes rather than stays "fixed" at one rate — is just over 15 percent, so be wary of anything higher than average.Is there such a thing as a card that has 0 percent APR and stays that way?If you're a student, consider checking with your bank to see if they offer a credit card specifically for students.
If you have not yet started establishing a credit history, check out secured credit card options. A secured credit card has been referred to as a "credit card on training wheels" because you have to deposit a set amount into a savings account as collateral for the amount you borrow, so it's like using your own money.I often recommend keeping a backup card at home in a safe place in case your wallet is ever lost or stolen.The more cards you have, the more you will need to keep track of, so having just a few can help you simplify your overall credit card management.It's not uncommon for credit cards to have a 0 percent introductory APR.