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Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history.

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As soon as you enter the wonderful world of being an adult, you're likely to start hearing a lot about your credit score. There are travel points here and welcome bonuses there. Whether your reward is cash back, miles or points, it adds up to money in your pocket. Some people believe that you should avoid getting a credit card as they generate debt. Establishing a positive payment history on a new credit card account is one of the best ways to start improving.

Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history.

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The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options.

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