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Ranchers.net

First off I have never had a credit card in my life. I have a debit card though.
My paypal account got hacked. Talked with my bank and they advised getting a credit card to use on paypal.
Figure I can use it to buy my milking supplies too.

I went in Thursday and applied for one through my bank. Figure I just need a simple one. It is a no fees as long as I use it at least once a year to keep it active. Has a select rewards.

Talked with my hubby he said as long as I pay for the charges myself he has no problem with it.
Got chewed out by my mother though. Got informed since I was so terrible at handling money I should just return it. This from the woman I remember always paying on something she had on lay away or charged.

So is it a bad idea to have a credit card or not?
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