NABILAH


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<h2 class="wp-block-heading">It can feel a little out of place if you still don’t own a credit card in your adult life</h2>



<p>Owning a credit card can be considered as a milestone in your adulting life. It&#8217;s a sign that you are ready for bigger financial responsibility and most importantly, it is a useful financial tool to utilise when it<br>comes to managing your finances.</p>



<p><br><br>One has to be smart though. It is important to take your time to decide on the right credit card to start with. A little thought definitely goes a long way.</p>



<figure class="wp-block-image size-large"><img decoding="async" src="https://storage.googleapis.com/says_image_uploader/uploads/temp/cardmapr-nl-s8F8yglbpjo-unsplash__1_.jpg" alt=""/></figure>



<h2 class="wp-block-heading">Here’s how to choose which credit card to get if you need some help:</h2>



<h2 class="wp-block-heading">Step 1: Identify why you need a credit card</h2>



<p>Before signing up for your first credit card, the most important question is identifying why you need it in the first place.<br><br>It may differ from one person to another, but in general these are the common reasons why you should own at least one credit card:<br><br><strong>1. It helps you build a healthy credit score</strong><br>When you are committed to clearing your credit card balance on time, it proves to financial institutions that you are a reliable paymaster. This is you building a healthy and positive credit score. When it is time to apply for loans (e.g personal loan, business loan), you are <a href="https://www.mrmoneytv.com/post/top-5-cashback-credit-cards-in-malaysia-2023" data-type="link" data-id="https://www.mrmoneytv.com/post/top-5-cashback-credit-cards-in-malaysia-2023">more likely</a> to be approved for it.</p>



<p>2. You can use it for emergencies or when you need fast cash<br>A credit card allows you to withdraw cash quickly whenever you need it, especially in emergency cases where you need immediate cash flow. You can also use a credit card to pay something urgently (given that you have enough credit balance).</p>





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Still Don’t Have A Credit Card? Here’s How To Choose Which One To Get!