There are two important reasons as to why getting your first credit card is a good move. It can help you build a credit history and it can save you money through reward programs. If you can manage to avoid the negative parts of credit cards, then there is very little reason to delay applying. Credit cards are one of the first ways most people begin establishing their credit history. Beware there are also reasons you shouldn’t get a credit card. If you believe the credit card account will drive you to debt then don’t open it. Credit cards allow consumers to spend beyond their means and pay for everyday items in installments. The only people who should be using credit cards are those who pay off their purchases at the end of the month. If you have trouble controlling your spending, it’s recommended that you don’t open up a credit card account until you manage to get that under control.