I now have my very first real credit card. I’ve used a debit card as a credit card for years - it’s easier to track your transactions if you do it that way - but when I couldn’t rent a car recently, I decided to get a real credit card. I tried the Hello Kitty Visa, the Amtrak rewards card, a couple of generic reward program cards, etc. And because I have zero credit history (except for a previously delinquent debt that is now paid off), nobody wanted to give me a credit card. But when I got my car insurance through USAA, I poked around their website a bit. They offer a Mastercard, so I applied for it and then forgot about it. But in the mail from the weekend I found my very own credit card! My credit limit is only $500 and my APR is over 20%, but it’s “platinum” (whatever that means) and now I have a card to use in emergencies or if I need to rent a car. I’m not planning to actually use it, but it’s good to know that it’s there if I need it. Yay!