Beginning to build credit responsibly is crucial for financial freedom, especially when starting with a secured credit card. With limited credit history, cards like Discover it and Capital One Platinum secured offer benefits and learning experiences. Responsible card use helps establish credit, making future loans easier while showcasing financial reliability. Starting at 18 allows for a foundation to enhance financial prospects, making it important to choose the right card and manage it wisely.
As the original poster points out, the reasons to get a credit card are pretty clear in that you want to establish credit so you can do more in life.
Building up credit history shows a lender that you are a trustworthy borrower if you have a history of making payments on time.
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