Success in finance ( the credit card)

Credit cards have always been attached with a negative connotation, you hear about them all the time and chances are the stories that you have heard were negative. Credit cards in reality are simple, they are risky if you are a person who can't handle due dates.  Credit cards are a pretty good way of building credit,and they allow you to take an item of the shelf and pay it in increments over a longer period of time instead of just paying everything all upfront. If you manage your debts well this will be a great way of building credit. If you do decide to get one you will have to look for plans that will have 0% APR to begin and also ask for how long that rate will stand. It also is very important that if you do decide to get a credit card, I strongly recommend that you link your bank account, that way you will never make a late payment, if you do make a late payment your rate will go up, so keep that in mind.