7 Things I Wish I Knew Before Getting My First Credit Card

7 Things I Wish I Knew Before Getting My First Credit Card | Credit Card Tips, Beginner Mistakes & Credit Score Hacks**

Are you about to get your very first credit card? STOP before you swipe! 🚨 In this video, I’m breaking down the **7 things I wish I knew before getting my first credit card**. Whether you’re just starting your credit journey, trying to build credit fast, or avoiding beginner mistakes, this is the ultimate **credit card guide for beginners in 2025**.

We’ll cover:
1️⃣ What APR really means (and why it’s financial quicksand)
2️⃣ The hidden trap of minimum payments
3️⃣ The secret power of your credit utilization ratio
4️⃣ Why credit card rewards can trick you into overspending
5️⃣ The truth about annual fees and when they’re worth it
6️⃣ How your first card builds your entire credit history
7️⃣ Why on-time payments are KING for your credit score

💡 Bonus Tip: Avoid juggling too many cards too soon.

These are the exact lessons I wish someone told me when I got my first credit card, and they can save you *thousands in interest, fees, and credit score damage.*

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🔥 *Timestamps:*
0:00 – Intro: 7 Things I Wish I Knew Before My First Credit Card
0:45 – APR explained: why interest is dangerous
2:30 – Minimum payment trap
4:00 – Credit utilization secrets
5:30 – The truth about rewards programs
7:00 – Annual fees explained
8:30 – Building credit history from day one
10:30 – On-time payments = credit score gold
12:30 – Bonus tip: Don’t rush into multiple card

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🚀 *Why You Should Watch This Video*
If you’re searching for *how to use a credit card responsibly*, *credit card hacks for beginners*, or *how to build credit fast*, this video is for YOU. The lessons in this guide are the same strategies that top personal finance experts use to get **750+ credit scores**, qualify for **premium rewards cards**, and avoid paying unnecessary fees.

Think of this as your *financial survival guide* before you jump into the world of credit cards.

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✔️ Build credit fast
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✔️ Save money on fees & interest
✔️ Hit a 700+ credit score in record time

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⚠️ **Disclaimer**: I am not a financial advisor. This video is for **educational and entertainment purposes only**. Credit card offers, terms, and rates change frequently. Always research your own situation and speak with a licensed financial professional before making financial decisions.


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