Before you slide it into your wallet and head for the store, you’ve got some things to consider. Visit our Your First Credit Card article for detailed information on the benefits and implications of getting your first credit card. Please also read this article to understand the importance and process of establishing credit. As you apply for and use your credit card, be very conscious of these consumer protection principles and borrowing principles. Finally, don't forget to contact us to get more personalized answers to your questions.