✨ How to use your first credit card✨✨Step 1: Get a secured card. Secured is when you use your money as a credit limit instead of the banks. I will always rep capital one and discover it.✨Step 2: find out your reporting date and due date. These are both very important. Your due date is when your bill is due. So you need to pay at least the minimum by the due date no matter what. 💡Your reporting date is the date that the credit card issuer will report your balance to the credit bureaus. This is w