Master Your First Credit Card: Avoid Common Mistakes & Build a Strong Financial Future

• Never miss a due date; even one delayed payment can impact your credit report for years.
• Paying only the minimum amount due signals financial struggle to lenders, affecting your credit score.
• Maintain low credit utilization (below 30%) to avoid appearing risky, even if you pay on time.
• Avoid 'harmless' shortcuts like applying for multiple cards, unnecessary EMIs, or closing old cards.
• Regularly check your credit report to catch and fix errors before they negatively impact your score.

Why It Matters: Treat your first credit card responsibly to build a strong credit score and secure your financial future.