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.* --- 🔥 *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 first credit card tips best first credit card 2025 how to build credit fast credit card mistakes to avoid APR explained credit utilization ratio tips credit card rewards myths should you pay annual fee cards how to improve credit score fast credit card beginner guide credit score hacks 2025 --- 🚀 *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. --- 👉 *Subscribe for Weekly Credit & Money Hacks* We drop new videos every week on **credit cards, personal finance, money-saving hacks, and investing basics**. If you want to: ✔️ Build credit fast ✔️ Unlock credit card rewards like a pro ✔️ Save money on fees & interest ✔️ Hit a 700+ credit score in record time Then SUBSCRIBE right now and turn on notifications so you don’t miss any of our life-changing money tips. --- ⚠️ **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. #CreditCards #CreditScore #PersonalFinance #MoneyHacks #BuildCredit #CreditTips #CreditCardHacks #Finance2025 #MoneyTips