I remember being terrified when I got my first credit card at 20 years old. And I was reluctant to get a second one a few years later.
Won’t this derail my credit score and make me look irresponsible with money?, I wondered, even though I never came close to the credit limit and paid off my balance in full every month. It scared me to have the power to spend money I didn’t technically have.
Then a friend told me she had six credit cards and no debt. Turns out, having multiple credit cards is actually a smart move, despite my believing for years that it would kill my financial stability.
1. Conquering smaller debts first
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