Consider working with a big company which is regulated by the right organization. To be safe, go with a company that is listed or one that a listing company owns. If you aren’t going with a big company, you run the risk of them doing shady things with your account, such as charging you outrageous fees and raising the interest rates really high.
When it comes to credit cards, be sure that you have your budget planned out. This way, you will have the money to pay off your debt by the time that your bill is due. One of the worst things that you can do is to fall behind on your credit card payments. Do not hesitate to report your credit card missing, the very minute you realize that you do not know where it is. Even if you think that you may find it later, if you don’t and a thief has it, that can give anyone, plenty of time to go about running up the balance on the stolen card.
You should consider getting a credit card with monthly fees, instead of interest rate charges. If you make purchases that will cause your interest rates to exceed standard monthly charges, you should definitely get a card that does not charge interest. Each card is different, so be sure to compare them before you decide.