These are the 5 most common credit mistakes that you should avoid in your 20s.
"Just make sure you don't use a credit card to spend more money than you have," says Malani. Manycharge overdraft fees or decline charges when you don't have the cash. But with credit cards, you can spend up to your limit, regardless of whether you can pay your balance in full at the end of the month.
, you could have a harder time renting an apartment and qualifying for personal loans even if you make a good salary and have plenty of cash in your savings.and only use it for gas or groceries. Pay it immediately to get yourself in the habit of paying off that credit card sooner rather than later."
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