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Credit cards can be confusing to understand especially for the new credit card user. For many people, this reason is the primary cause of misuse which leads to huge money problems later on. Many new credit card holders don’t bother with all the financial and legal vocabulary involved. All that’s important to them is the easy convenience their credit card provides to buy and spend for things too expensive and unnecessary. Their credit card bills become a kick in the teeth the moment they see the high payment amount they’re required to pay. Part of responsible credit card ownership has a great deal to do with: 1. Being aware of all the facts before applying 2. Understanding the terms and conditions that you signed up for as legal agreement with a financial institution 3. Developing prudent credit card habits which include disciplined spending, safe handling and prompt paying This book is for people who are thinking of applying for a credit card or are getting started with their first credit card. There is information for: 1. What you need to know before applying so your application is trouble-free, 2. How to select the right card for you, 3. How to use your credit card safely to prevent fraud, and 4. How to use your credit card wisely to avoid going into deep debt. When it is taken cared of properly, a credit card offers many advantages. With the help of this book, you can understand how to use your credit card correctly so you can use it well to acquire perks and extras to enjoy in this life.