How to chosse first credit card for beginners : personal finance Course to Building good Credit
The Modern Shift Podcast by abdelhamid bou ikhessayen
Episode notes
This episode offer extensive guidance on building and managing credit, particularly for individuals with limited or no credit history. The materials emphasize various strategies for obtaining initial credit, such as applying for secured credit cards, student credit cards, or utilizing credit-builder loans. Furthermore, the texts explain the role of an authorized user status as an alternative to becoming a cosigner, highlighting that the former is more commonly permitted by credit card issuers. A significant portion of the advice focuses on maintaining a healthy credit score, with a strong focus on keeping the credit utilization ratio low (ideally under 30%) and the importance of timely payments.
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