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adulthood: how does it?
So, okay: I have never in my life had a credit card. This is something that baffles a lot of people, but it's true! My name is technically on my parents' card - it was supposed to be one of those "use it WISELY, pay it off, build credit" things parents do, but I have literally never once used it. Because...idek, paranoia? Being stuck in my ways? Failure to Adult? I have a debit card, I have a checkbook, I am FINE.
Except, okay, I'm 25, having a credit card is not actually an unimaginable thing to do, and possibly actually a good idea. Except...where do I even start? I have five accounts with four different banks (...don't even ask, my family does savings in a way that is the most special), do I talk to one of those? Except the bank that is local doesn't offer credit cards, so that's out. I get mailers from Southwest and stuff, but I feel like that is...somehow not a good plan? AUGH THIS IS SCARY AND BEWILDERING, GIVE ME ADVICE, I seriously have no idea what the fuck I am doing with this nonsense.
Except, okay, I'm 25, having a credit card is not actually an unimaginable thing to do, and possibly actually a good idea. Except...where do I even start? I have five accounts with four different banks (...don't even ask, my family does savings in a way that is the most special), do I talk to one of those? Except the bank that is local doesn't offer credit cards, so that's out. I get mailers from Southwest and stuff, but I feel like that is...somehow not a good plan? AUGH THIS IS SCARY AND BEWILDERING, GIVE ME ADVICE, I seriously have no idea what the fuck I am doing with this nonsense.
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And yes, those are exactly the sort of purchases that having a credit card is good for. The one thing to keep in mind that in order to increase your available credit over time, you'll need to actually USE them some, but like I said, that will happen naturally over time (and as your salary presumably increases and your debt load decreases as you pay down the student loans).
I actually have no idea! I applied for both of the cards I linked to above online, directly from the credit card companies themselves. I would imagine that applying via a legit bank's website would be totally fine though!