If you’ve never had a credit card before, you’re not alone. Right now, as many as 3 in 10 Americans don’t have (or have never had) a single credit card. Often, fear of taking on too much debt is the elephant in the room. And rightly so! According to the Federal Reserve, Americans’ revolving debt, most of which is credit card balances, hit $1 trillion in April 2019. Many people have a lot to learn when it comes to managing their credit.

But when used responsibly, credit cards can be one of the most powerful tools in your financial toolkit. They help build your credit and prove to lenders that you can manage your money. This is important when it comes time to take out larger loans, like mortgages and car loans. Plus, credit cards have many benefits of their own.

Here at DEXSTA, we want to help our members stay in control of their finances. Having credit card access wherever you go lets you take charge of your money in some unexpected ways.

Never miss another payment

Sometimes money gets tight. We get it. If you had a little too much fun this summer, credit card access could help make ends meet. You shouldn’t have to choose whether you make your phone payment or cover the electric bill. Paying your bills on time with a credit card prevents late fees while you get caught up.

Pay securely wherever you are

With DEXSTA’s VISA platinum card, you get purchase security on all of your everyday purchases. And if your card is lost or stolen, our team is standing by to make sure you don’t foot the bill. Just remember to let your credit card company know if you’re traveling. Most financial institutions watch your account for unusual charges to prevent fraud.

Be prepared for emergencies

Unfortunately, emergencies do happen. Whether that rattle in your car engine finally became a problem, or you’ve got unexpected medical expenses, life can get expensive fast. According to Forbes, most families don’t have enough savings to cover a $500 emergency expense. If you’re one of those families, a low-interest credit card from DEXSTA may be one solution.

DEXSTA VISA Platinum card

With no balance transfer fees, annual fees, or cash advance fees, DEXSTA’s VISA platinum is an excellent option for first-time credit card users, or anyone looking to get a handle on their finances. In addition to a low introductory interest rate, you’ll get the full support of DEXSTA’s team.