USA Credit Company??????

I have just recieved a call from somebody offering me a 7,500 credit card. Im only 19 and have no idea what it will do to me if I decide to accept. PLEASE give me some advice. Thanks.

USA Credit Company??????payday loan

The credit card company is offering you a chance to use credit they give you to only buy things off their website. Not necessarily a bad thing, but you need to check for any fees they might want to hit you with (annual or membership fees). If you have a good credit rating you don%26#039;t need this type of account. If you have no credit history you need to establish one but before you start I would recommend getting more informed. If you are ready to go and get credit decide why you need it first and how are you going to pay back what you borrow. Yes credit is nothing but a HIGH interest loan that you have to pay back so think about that too. Another alternative is to get a secured account to establish credit. This way you cannot spend more than you can afford and it helps you develop good financial discipline. There is one thing I can suggest to you that is better than credit and that is earning more than you spend. Really simple to say, but not so easy to do. I can offer you some more ideas but it goes beyond the scope of this answer. So feel free to cotact me if you like what I mentioned.