First Credit Card

Your financial future, in your hands

If you’re 18 years of age or older, getting your first credit card can be an important step in establishing credit and preparing for your financial future. Whether you may later apply for a student loan, an auto loan, or your first home, a good credit history can help make that process easier. IC’s Visa Credit Card can be used to start building credit, and the guidance on this page outlines a few best practices for getting started, including using your card for everyday expenses and paying the amount due monthly.

• Use your credit card like your debit card—if you don’t have the money, don’t buy it.
• Use your card for everyday expenses (gas, food, or clothing)
• Pay off the amount due monthly to build credit