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Message: [QUOTE="Husky25, post: 2780281, member: 2839"] Actually, all things being equal, I'd argue that you are less financially wise simply because you do not have a credit card. Be that as it may, anyone will tell you that the key is and always will be knowing how to stay within your means. So before you settle on which card from whatever bank, create a budget that includes a certain amount of savings. After you get your card, do not deviate very far (Otherwise what is the point of the budget?). If your budget is cash flow positive, there is absolutely no reason you can't use the card to cover your expenses, so long as you do not miss a full payment...ever. Once you build a cushion, you'll learn when and how to go negative in the short term (i.e. a given month). It's a 30-60 day interest free loan. Better terms you will never find. Security wise (fraud as well as identity), it scares the stuffing out of me whenever I see someone pay for anything with a debit card or a check. I normally have some cash on me, but I use it very infrequently. It's convenient for the little things, but a credit card is the safest way to buy anything in 2018. My only advice, in terms of which card to get, is to stay away from cards with an annual fee. The services they provide are never as valuable as the what you pay. [/QUOTE]