For most of my 20s, I swore off credit cards. I used my debit card for everything and thought I was being smart. Credit cards seemed risky: What if I missed a payment? What if I got stuck with sky-high interest? What if I picked the wrong card and regretted it forever?
It felt safer to stick to what I knew. With a debit card, I could clearly see the money leaving my account — no surprises and no scary bills at the end of the month. I eventually realized I was missing out.
If you've been avoiding credit cards for the same reasons, here's what changed my mind, how I chose my first card and what I've learned since then.
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