This book is for you, if you are twenty-something years old, and you want to make sure that you use your credit card wisely. Have you been wondering why you even need to get a credit card? Would you like to know how to get your first credit card and how to build your credit? Do you know the golden rules of using a credit card? Find out the golden rules and 7 key strategies of effective credit card use. Additionally, get to know the credit card “traps” that you could use to your benefit. The book also covers an action plan on how to eliminate credit cards debt and what to do when you cannot keep up with your credit card bills. The book presents many aspects of credit card use in a fun, entertaining and down-to-earth writing style, which you will surely enjoy!