Getting My First Credit Card

Success! My very first plastic currency!

Details
Bank: Bank of America
Type: BankAmericard Visa
Credit limit: $1000
APR: %0 for 12 months; 16.24% thereafter
Annual fee: $29/year
Benefits: none

How I did it
I first got my checking account during high school when I was 16 at Bank of America. They offered free checking and savings account for students. That means I did not have to pay the $12 monthly maintenance fee as long as I was still in school (up till age 23).

Coming of Age

My ultimate goal is to obtain the most exclusive credit card:

 American Express Centurion Card.

Ever since I was little, I have always been interested in credit cards. It is so much simpler than carrying around cash and coins. Especially if you are a guy with only a wallet, coins can literally be a pain in the ass.

Now that I have reached the age of 18, and is heading into college, I cannot wait to get my hands on my very first form plastic currency.

My family was never into credit cards because there could be a chance of getting your identity stolen or going into debt by abusing your credit. That was because they did not know about the protection the credit card companies’ offer or the benefits of having credit outweighs its cost.