My mom has a Big Lots rewards card and says I should get one too. But I think credit cards are dangerous because you can get into a lot of debt. Is there a card that will earn rewards without getting me in over my head financially?
Answered on Tuesday, October 18th, 2016 by
Amy Miller

This is an interesting dilemma. The thing about credit cards is, you will only get into debt using one if you use it to buy things that are beyond your means. You are in control of the way you use your card – remember that. There are many great things about credit cards, including the ability to earn rewards. But besides that, they are also a very useful, even necessary, financial tool. It’s important to have one so that you can build a credit history, have access to funds in case of emergency, and have financial flexibility in how you pay for things. Just remember not to charge more to your card than you can afford to pay off each month. If you find that one month, you aren’t able to pay your balance in full, put the card away until you can.

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There are so many great credit cards that offer cash back, it’s difficult to narrow it down to just one. But you’re right that another type of card is probably a better choice.

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Not to worry. One late credit card payment generally will not sink your credit score too badly. It’s when payments are missed completely, or repeatedly late, that it can start to affect your credit score.

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