You’ve never had a Credit Card? That’s awesome! Welcome to the world of financial Adulthood. Having a Credit Card can be an amazing things (if you are responsible with it). Being able to buy those things you otherwise couldn’t afford is pretty rewarding (until you get the Statement.)
Never having a Credit Card can be a good and a bad thing.
The good thing is you have no debt and you’re sleeping better at night than most adults.
The bad news is you have 0 credit. An empty file. Nada.
So if you have never had a credit card you might want to check out our beginners guide.