This week’s Quarter-Life Question is one I’ve been asking myself lately…Should I get a credit card? I’ve been debating getting one for a while now to help improve my credit score, but quite honestly I don’t really understand how they work - nevermind which are the best ones on the market.

If you’re someone who’s always used a debit card (and maybe occasionally dipped into your overdraft like me), but the whole credit card thing feels like a mysterious grown-up world that no one taught you about — this one’s for you.

✨ In this episode, we cover:

• What credit cards actually are and how they work 
• Why credit isn’t always a scary word — and how borrowing responsibly can be a good thing
• How to use credit cards to build your credit history and improve your score
• Tips on using your credit card safely and smartly

🧠 Expert Guests: 

Would you believe it, we’ve got two this week!  

• Rachel Springall is a finance expert from Moneyfacts with 20+ years working in the finance industry. She breaks down what you really need to know before getting your first credit card. For more info it’s Moneyfactscompare.co.uk
• Joe Wiggins is the Corporate Communication Director at Finance tech company ClearScore. He explains what a credit score is, why it might be useful to have a good score and gives some tips on how to boost it. For more tips and tricks it’s https://www.clearscore.com/

📲 Want to get involved?

Got a Quarter Life Question you’d love to hear answered on the pod? DM me on Instagram @gracemcintosh1 or TikTok @gracemcintosh_ — I’d love to hear from you.

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Thanks for listening - and I'll see you next week!

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