So, I’m 18 and very confused with this whole credit card "business". All I want is a simple credit card that I can use that when use it, it will extract the exact amount out of my account and pay the merchant in full with out letting me go over the set money in my account. THAT’S IT. No monthly payments, no credit points, just cut and dry card. I’m getting this so I don’t have to carry around cash and if im every mugged I can cancel the card before anything is spent. So what do I get? A visa? A master card?

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