Credit cards can be both convenient and tempting, especially to a first-time user.  Here are a few tips to make your first credit card experience a positive one:  

1. A credit card is a loan responsibility that should be taken seriously.
2. One card is probably enough; avoid the temptation to apply for additional cards to earn discounted merchandise or eligibility for special promotions.  Applying for multiple credit cards or carrying too many credit cards with balances close to the limit could negatively impact your credit report.
3. Keep your starting credit limit low -- $500 to $1,000.
4. Pay off the entire balance each month to avoid interest charges.
5. Always make payments on time to establish a good credit history and avoid late payment fees. Making automatic payments through your checking account is a great idea.
6. Use the card for emergencies and continue to use cash for normal purchases.
7. Never let others use your card or give out the number; you are responsible for all charges on the card.
8. Keep track of your card uses and compare your receipts to your monthly statement. Contact your credit card issuer right away if there are unknown charges on your account.
9. Investigate the details of the card thoroughly.  Be sure to understand all the fees and how interest charges are calculated.

Having a good credit record is important.  It makes getting credit easier when you need it and can often qualify you for a lower interest rate.