I am so Excited!!

You are right when you said " Now I must be very careful and use it wisely." it's suppose to be a life line but a lot of people with little or no financial literacy get into more trouble having one.

You have my best wishes I hope the credit card works out well for you. I’m so careful with mine. I want to be sure I can pay it off each month. Interest can add up fast.

Do you qualify for food stamps? That would help you if you did. My husband and I pay about 300 to 350 every other week for food and even that doesn't always last with the way grocery prices have gone up. My son is going through a growth spurt and he eats a lot and I have had to get on him about not eating all the time because it gets expensive. He doesn't starve. I know he eats but he acts like he never gets enough. When he is in school he never eats this much. During the summer our food bill always goes up. I told him if he doesn't eat like that in school he doesn't need to eat like that at home. It's sad that I have to be that way but the way the prices have gone up has made things terrible. I was shocked when we got what used to be 100 dollars worth of groceries for about twice that. I feel like half of our money just goes to food. As much as I'm going to miss being on break part of me is happy I'll be going back to work soon so I can help contribute money. We aren't hurting on my husband's salary but the added money definitely helps. We got a food card for my son for the summer which is part of some program they're doing due to the pandemic but didn't get it until like a week ago so we are just going to use it for his school lunches since the price of school lunches at the middle school went up and he isn't able to eat half of the stuff they have due to his diet he is on for reflux. The card is like a drop in the bucket but it'll help some. We make way too much to qualify for any sort of assistance because while prices of everything have gone up they haven't changed any income requirements. Three years ago my husband and I would have had it made financially but now it's almost like starting all over again.

I absolutely would NOT use that credit card for groceries. The interest that you'll wind up paying will only make the $$ issues worse. Have you looked into local food pantries at churches and places like that in your area? Have you read @TheSojourner 's posts about frugal grocery shopping and meals? She is an absolute master in that area. What kinds of foods/meals do you enjoy/eat/want to eat? How do you make them? @TheSojourner is very creative but other members here might also have ideas to help.

In India people fear to use credit cards as the fees per month is quite high.

Yes, don't get carried away with your new credit! Interest rates are really high on balances. Good luck. Have a good weekend.

I hope it helps you smooth things over on the grocery front. Do you guys not qualify for food stamps, commodities, etc? We do not, but my sister and her friends often get more than they can use. It is not high end food, but it is nutritious and has some variety to it.

Does the card have any added benefits, like cash back or points?

That's great. Yes, we need to use them wisely.

I hope you do well in this decision.

Not easy but I think you are better off now with the credit card..

Ouch. Not to be a naysayer, but credit cards never serve someone strapped financially well, and mostly it only causes more frustration. Most people SAY they will use the cards wisely. But most people don't. I hope it does help you, though. I don't want to poo-poo you. But one does wonder if one can't afford to buy something without credit, how does one afford to pay more for something when you factor in the cost of the interest? Keeping it in mind as well that most people only ever pay the minimum payment, which means if you only paid the minimum it would take 30 years to pay the debt off. Just some things to take to the bank. Again, not poo-pooing you!

You must use it wisely. Those who are credit card holders do a lot of shopping impulsively and regret later of too much interests.

Here in Brazil we usually stock up on food. We shop for 2 or 3 months sometimes. When the family is small, you can use this method. There we buy meats and fruits and vegetables on the outside if necessary. Spending on food has gone up a lot in Brazilian supermarkets. I'm buying the same amount and paying double what I paid.

I'm so happy for you. They can be quite the life savers sometimes.

Is your income to high to get food stamps and there should be food banks in your area. How about meals on wheels.