When I got my first credit card, I was honestly a bit nervous about using it. I didn’t want to mess up my finances. But here’s how I handled it, and maybe it’ll help you too. First, I activated the card through my bank’s app, which took just a minute. Then, I used it for a small online purchase, like ordering food, just to test it out. I made sure to spend only what I could afford to pay back, because I knew I’d have to repay the full amount before the due date to avoid interest.
When the bill was generated, I checked all the transactions and paid it off in full using my bank’s net banking. One thing I learned early on was to never ignore the due date and always track my spends that really helped me build a good credit score over time.
So, if you’re asking how to use a credit card for the first time, the simple answer is spend within your means, pay in full, and build good habits early. That’s how you make the most of your card and build a strong credit history.