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If you're a student, you can open a student credit card, which you can often get co-signed by your parents if you don't have independent income yet.And if you're not in school, you may be able to open a secured credit card, in which you put down a deposit and get a monthly credit limit equal to what you've deposited."A credit score affects renting an apartment, getting a car, and your auto insurance premium." According to Consumer Reports, a bad credit score is worse than a drunk-driving conviction when it comes to your car insurance costs.Once you feel comfortable with one credit card, you might want to get a second one just to be safe, says Liz Weston, personal finance columnist at Nerd Wallet and author of the book Your Credit Score.For example, if someone steals your credit card and goes on a shopping spree, you can contest the charges and not have to pay them.Debit cards offer similar protections as well, but the difference is when a thief makes charges with your debit card, that money is already gone, and you have to fight to get the money back in your checking account.
"I wouldn't use anything but a credit card for online purchases," says Liz Weston, a personal finance columnist at Nerd Wallet and the author of the book .If you grew up during the most recent recession, the thought of even getting a credit card can seem intimidating.Coming of age—or even trying to start a career—during a time of economic uncertainty can make you want to squirrel all your money away in coins, Scrooge Mc Duck style.According to recent data from financial website Magnify Money, 195 million Americans use credit cards, with an average of 2.3 per person.
But less than half of households pay their bills in full every month, and in total, Americans have a whopping 7 billion in credit card debt.
And it's that cut that sometimes ends up coming back to you in the form of cash back.