My Personal Experience Of My First Credit Card

The day I received my first credit card was a glorious day. Everything that I’ve wanted to buy in the past six months became a possibility, nothing could stop my 18-year-old self from jumping off that couch and sprinting down the street to the nearest boutique to buy a pair of shoes. Other than having to pay it back in smaller portions, I was persuaded that there were no costs, up until 60 days later when I received my first credit card invoice, that all changed. I had recently gone to a bank to inquire about a loan for my first car; that’s when they presented the credit card option to me. It was a sunny Saturday when I received my credit card, I was given a letter from the bank, I thought it was regarding my loan, I opened it thinking it was going to be similar the others: “Sorry we can’t help … due to lack of credit history….”. I was wrong the first page went on to explicate my credit limit, my late charges and ways to pay the balance once used, on the second page, there was a beautiful red card attached to the middle of a blank white page with a dense elastic glue, my first and last name was printed on it, sixteen digits ran across it, it was my first credit card! …show more content…
Consequently, when they offered me a credit limit of fifteen-hundred dollars, my mind went wild; I went and bought all sorts of things. First thing I bought was a pair of knee high gray boots that I’ve wanted a while. My second purchase was at the mall with “Aunt Annie” pretzel stand I bought one of the delicious pizza pretzel for myself and then offered to pay for my friends, I continued to Forever 21 where I bought their signature perfume at the time, it smelled like I was on a vacation on a tropical island, I bought anything and everything that wanted with my newly found superfluous