ALot of people always tell me never to get a credit card and i have always agreed, but lately i've been wanting one. I am pretty sure i can handle it i am good at paying what i owe, and i'll make sure i dont' overcharge. I think i should be o.k. or how is it that these people get into so much debt with a credit card? I assume they overcharge and not pay. is that right?
Anyway the question is which one should i get? and how do i get it?
I am 22
My credit score is in the 300s
The only credit card with my name i own is a gas card which is actually my moms account she just got me one with my name on it.
So i am pretty much clueless about credit cards any info would be greatly appreciated. Thanks in advance.
P.S. The Card I just want it not need it



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