Articles like these bring back not so fond memories of my wife and I learning financial lessons the hard way. All the while I wondered why personal finance wasn’t part of public education in the USA. Luckily, for my sons, Maine (the state we reside in) has made personal finance a part of the public school curriculum in every grade (Kindergarten through 12th grade).
My best advice, for anyone wanting to know how to handle credit as a beginner, would be to get a credit card with the lowest possible APR (Annual Percentage Rate).
Make a few purchases per month with this card and then pay off the balance at the end of each month. Over time this will build up your consumer credit rating.
pay off the balance at the end of each month
This is what I do. I think if you follow this, the apr does not matter, since the amount on which the interest is calculated is 0. So I would prefer more a card with more rewards than one with a lower apr.