 TITLE: How to Get a Credit Card if You Don’t Have a Credit History CONTENT: Tips for First-Time Credit Card Users\n-------------------------------------\nPerhaps the best thing you can do as a new credit card user is to not bite off more than you can chew. In other words, keep purchases small so you know you'll be able to pay your bill in full each month. Not only does this keep your credit utilization ratio low, it also helps you avoid paying interest.\nWhen you have a high balance with a high interest rate, the amount you owe can escalate quickly and become unmanageable. Being mindful of your budget may save you money and help you build an excellent credit score.\nIf you can't pay off your total balance, still make an effort to pay more than the monthly minimum. While you'll still pay interest, you'll owe less than you would if you only paid the minimum. The bigger your payments each month, the more you will save.\nBecause paying your bill on time is essential, consider paying early if you're able to, which may give you peace of mind knowing that you don't have to worry about late fees and negative remarks on your credit report. If you're worried you may miss payments, consider setting up autopay; just be sure you have enough money in your bank account to cover the payment each month. END