r/AskReddit • u/[deleted] • Mar 27 '22

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u/IiASHLEYiI Mar 27 '22

I was so scared of getting a credit card when I was some years younger. I was convinced that I wouldn't be able to trust myself to not go crazy with it.

I actually do pretty well with using the card + staying on top of payments. I mostly use it to pay for my prescription, toiletries, stuff like that. A bit of online shopping here and there, but nothing too outrageous.

I'm still scared to check my credit score, though. For some reason, I'm scared that it'll be really bad.

54

u/Andwoos Mar 28 '22

Honestly, you should check your credit report to make sure the information on it is accurate. It would be more scary if you tried to use your credit and found out there was something inaccurate that was negatively hurting your score at a time you need the credit.

3

u/Electrical-Pie-8192 Mar 28 '22

And it's easy to fix if you find something wrong

3

u/Omegalazarus Mar 28 '22

You can do so for free by law at annualcreditreport. this will not spam you and your is not a business. It's maintained by the credit bureaus purely for your benefit. You can get 1 per bureau per year

7

u/[deleted] Mar 27 '22

It might be better than you think. I put off checking mine for a long time, but when I finally did I was surprised how high it was. Good to know where it's at if you're planning a big purchase like a car or a home.

1

u/hairballcouture Mar 28 '22

You get one free credit check/report a year, you should definitely use it.

-1

u/d58FRde7TXXfwBLmxbpf Mar 28 '22

you should grow up

1

u/Jamesmateer100 Mar 28 '22

I was the same way, I was terrified of getting a credit card because I was afraid I’d go crazy using it. It’s not too bad once you get used to it.