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A credit card allows you to borrow money from a bank to make purchases. As long as you pay back that money within the “grace period” of 25-30 days, you don’t have to pay extra. If you go longer, though, you’ll have to pay interest — a percentage of the money you owe — on top of what you borrowed. In addition to being a tool for short-term borrowing, credit cards can provide valuable rewards and perks.
A credit card allows you to borrow money from a credit card company, with the agreement you will pay a percentage of interest on any outstanding debt at the end of each billing cycle.
A debit card pulls money directly from an associated bank account. Responsible credit card use helps build your credit history. Generally, debit cards can’t do that.
There are plenty of options on the market for people with limited credit history. Shop around to find a card with the lowest APR and fees that you could qualify for. If you are having trouble gaining approval, consider a secured credit card. A secured credit card requires a security deposit. You could also ask a parent to add you as an authorized user on his or her card.
A pre-approved credit card offer means that a credit card issuer has verified with a credit bureau that you meet its credit criteria and has pre-approved you as a quality candidate for its product. You’ll still need to apply in order to actually receive a new credit card, at which point you may still be accepted or denied