If you are a job seeker, then obviously you will continue to have phone calls related to credit card offers on behalf of banks. Bank employees will also offer you a free time of free credit card while offering you free offers. In today's time, you get a credit card on a phone call. For this, you need things like documents such as ID proof, address proof, income proof, salary slips, bank statement. But if you are using credit card for the first time then you should take care of some important things.

Budget:

You should always keep a limit on your credit card expenses. Try that you have at least 15% of the credit card money left on the credit card limit given by the company.

Do not raise the credit limit:

When you apply for a credit card, the bank sets a certain credit line based on your income and repayment capacity. As your earnings increase and the bank becomes more confident about your repayment capacity, they increase your credit limit. But do not raise the credit limit so quickly.

Payment:

You get the benefit of the minimum payment facility on the payment date on the money spent with credit card. But it is harmful for you because if you pay only a few paisa without paying the entire bill, then later on the remaining money you will have to pay the higher interest. So try that you pay all the money together.