First Credit Card: Build Your Financial Future or Risk Debt Trap!

• Your first credit card significantly impacts your financial identity and future.
• Proper use strengthens credit score, aids emergencies, and offers rewards/cashback.
• Avoid unnecessary spending, delayed payments, and misusing credit limits to prevent debt.
• Responsible use builds financial independence; misuse leads to stress and debt.
• Understand terms, control spending, and pay on time for a stable financial life.

Why It Matters: Use your first credit card wisely to build a strong financial future and avoid debt.