Build Credit at 18: Avoid Mistakes!

You’re 18 and the credit card companies are drooling over you. They see dollar signs, but here’s the kicker: if you pick the wrong card, you could tank your credit score before you even start. That’s right! A late payment on a $300 limit card can haunt you for years. The secret? Get a secured card or a student card with no annual fee — think Discover it® Student or Capital One Platinum. Use it for small purchases, pay it off in full every month, and watch your score soar. Don’t fall for flashy perks; they’re just bait. Start smart, and build your credit the right way, not the costly way!