Credit is complicated! Even seasoned credit builders often have questions about it, so it’s no wonder that credit newbies can feel overwhelmed and make (often significant) mistakes, like racking up a high utilization ratio or missing payments
Maybe your parents talked to you about responsible credit card use at a young age, or maybe you didn’t realize you had a credit score until your first credit card application was rejected
In any case, it’s unlikely that you started out with all the answers, and possible that you’ve learned some credit-related lessons the hard way.
What do you wish you’d known about building credit when you first started out?