Your first credit card can be a step toward building a strong financial future and establishing an excellent credit score—or it can lead to a mountain of debt you struggle to repay for years. Before using your first credit card, here are some tips to guide you along the right path. 

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Set a BudgetA credit card is a convenient way to make purchases and earn rewards, but it shouldn't be used to buy things you can't afford.

Keep Track of Your PurchasesCalculating the amount you can afford to spend is the first step. After that, be diligent about tracking your purchases throughout the month, potentially with the help of your credit card's mobile app or website.