when did you get the first credit card and what had change in your life ?

@cx258641 (109)
China
March 19, 2011 6:55am CST
today i got my credit card ,i don't know what to do with it , whether my daily life will change because of it. usually I'm not fancy shopping and rarely go to supermarket ,most of my groceries bought by my family (cause i don't have credit card). have a credit card does that mean you have to go to bank very often and doing math work all the time , cause you have to worry about if you had already overspend. so what's your experience ,does it really can change your life style or not at all ?
7 responses
@Liliac26 (558)
• Romania
19 Mar 11
I've never had a credit card. The idea of credit frightens me a bit. I think it has something to do with my education, I can't stand being in debt. I don't even borrow money from friends. I prefer to just spend my own money and tighten the belt if I don't have enough.
@cx258641 (109)
• China
20 Mar 11
from your answer , i do think even when you have credit card ,chance are that you will never get into debt .
@Liliac26 (558)
• Romania
20 Mar 11
Hmm, you might be right. Still, I know I can be quite irresponsible when given the chance...
@thatgirl13 (7307)
• South Korea
19 Mar 11
My mom gave me her credit card but I refused taking it. I actually don't really like credit cards and wouldn't know what to do with it either. I am very well satisfied with the monthly pocket money I get and if it's not enough I ask my parents for some extra. But even after I earn my own money, i would try and not own any credit card. I don't really like the idea of it.
@cx258641 (109)
• China
20 Mar 11
before i got it , we have the same situation now things gonna change well you had answer my question i bet there must be a great potential you will use it in the comeing day / Thanks for commend
• South Korea
20 Mar 11
NO problem. Have a good day ^^
@Cherish14 (2695)
• Philippines
19 Mar 11
hi there, i don't have a credit card and wont get it until maybe i am financially stable. i know having it could sometimes tempt one person to overspend and that is going to be a big problem again when the bill comes so maybe when i eran a lot and be financially stable in the future, i will get one, because it is also easier when you don't carry some cash. good luck to you and enjoy having it, just be practical hehe take care.
@cx258641 (109)
• China
19 Mar 11
tonight i have use it for once ,i just can't wait to do it again ,hope i will not receive any bill Thanks for commend
@Cherish14 (2695)
• Philippines
19 Mar 11
you're welcome
@kwylima (452)
• United States
20 Mar 11
I was 18 and It made me sooooooooo happy! hahha. I was freaking out and dancing and singing and bla bla bla.. it sounds so stupid but it was happened to me! well I never used my credit card in the wrong way so I never had problems with that. I just buy what I can pay for! I think that it make us think that we are growing up...nothing more.. dont use it if you won't have money to pay after! enjoy this next step in your life and be safe!
@cx258641 (109)
• China
21 Mar 11
thanks for your advice even i know that don't use it if you won't have money to pay after but some times you just forget you just don't care, like you said it make me happy , why not happy now ,even i don't have money. maybe i can make more when I'm happy. bye
• United States
20 Mar 11
My very first credit card I got when I was 18 years old.... a very huge mistake. It only had a $300 credit limit which I maxed almost instantly. I paid the minimum $15 per month while I was steadily employed... but once I became unemployed... after a duration once I returned to work and decided to contact them to set up payments once more... it shot WAY up... so I still haven't paid them until this day. Maybe one day lol.
@cx258641 (109)
• China
20 Mar 11
well I'm 22 now with your experience of start from age 18 , presumable i would not confront the same problem as yours , hope it will be .
• United States
19 Mar 11
Congrats! Yes, your life will change either for the worse or better depending on how you use the oppurtunity. I got my 1st credit card at a few years ago because I finally felt I was ready for that responsibilty. I learned about managing money better through using cash and keeping up with what I spend. I used to have really bad spending habits in my younger days. This includes paying bills thats in your name as well. Credit cards are definetly tied to financial responsibility. Education on credit cards is important and will help you use it and get the best benefits of using one. Credit cards dont require you to go to bank often but it does require keeping up with what you spend, Setting limits, knowing them and paying your payments on time. In doing so will benefit you by the credit card company, reporting ok's to your credit report, giving you a higher credit score which in returns means a better chance of getting car, morgage loans, approved for all sorts of services without a big deposit. So educate yourself about it more and you will love the positive. If used in the worng manner, be aware and get ready for rough financial situations. Bad credit means getting denied loans when you really need it, large deposits for services you need such as phone, utilities,even jobs are starting to look into your credit history. Hope this helps and best wishes You can do it.
@cx258641 (109)
• China
20 Mar 11
thanks for commend
@CarlHalling (3629)
• United Kingdom
19 Mar 11
Yes, it does change your lifestyle. I had a credit card for a long time, but I never used it until 1999, when I thought I'd hazard it in a book shop to get a book I needed for a course I was taking at the time. I couldn't believe it as it went through; it seemed to easy; I felt elated. And so I started to use it more and more, and before long I had four cards, because I loved getting money whenever I needed it. But last year I finally cancelled them all after I'd gotten into debt sufficiently serious than I needed to beg my family for help. They were not happy; it was painful and embarassing. So now, I am forced to live within my means. No more spending on clothes: I have to make do with the clothes I already have, and most of my shoes are shabby and worn down: I only have one good pair. Once upon a time I'd have ordered clothes as I wished. No more spending on things whenever I feel like it. I exist on a strict amount I set aside each month. But the strange thing is...I'm fine with it. I didn't need to spend as I did. I like being self-disciplined. It gives me a strange sense of control. Don't get me wrong...I loved spending hard. But scrimping and saving is good too. It's now the way for me...shame about those shabby shoes though (smile)
@cx258641 (109)
• China
20 Mar 11
it sounds like at first the credit card trusted you ,then you start to believe it ,even through you had get into debt serious before, but now you still trust it and had a good relationship with aha ,Great ! Thanks for commend