" Choose your card wisely Getting a credit card is easy if you live in the US, but it's important to know if you're getting a credit card for the first time.

 Must check the annual fee There are some cards which are free, but they charge money every year. So buy the card which you need, just like I did.

. Cheak the intrest rate (APR ) *All cards have different interest rates so choose the one with the lowest rate. so that you don't face much trouble like i did

 Understand cashback and rewards. *You should get cashback and rewards on whatever you buy, you must see this.

 Make sure to check your credit limit The limit may be low in the beginning, so don't overuse it, use it with caution.

 Please read all the terms and conditions. Some cards charge late fee, foreign fee and hidden charges.

 Spend wisely and be smart, if you are getting a card for the first time like me then use it wisely and make a good score