18岁时，Volt会员可以申请Visa积分信用卡. 它的信用额度最高为1美元,000 and a low-interest rate while letting you build rewards points that don’t expire.
There are many benefits to getting a credit card early such as having time to build your credit, 并在实际操作中了解信用卡和借记卡的区别.
- You can use it to cover minor emergencies as long as you make your monthly payments on time if you can’t pay it off in full.
- 如果你不正确使用它, you can get in trouble with your account which isn’t a good way to start your credit foundation.
- A credit card is different from a debit card because you borrow against your balance and have to repay it vs. 从你账户里的现金中扣除的借记卡. You want to practice spending using both and experience how they impact your finances.