Getting your first credit card is an exciting milestone that comes with a lot of responsibility. It’s essential to approach this step with careful consideration and preparation. Here’s a guide to help you navigate the process and make an informed decision. 1. Understand the Basics Before diving into the application process, it’s crucial to understand what a credit card is and how it works. A credit card allows you to borrow money from a bank or financial institution up to a certain limit, which you must repay with interest if not paid in full each month. Using a credit card…