Elizabeth Ayoola

Learn from me.

Don't be like me.

Don't get the card and not get the bonus, okay?

But how should Liz think about those in case she does go for a credit card with a sign-up bonus?

Should a welcome offer be the deciding factor or is that something families should treat as a short-term perk?

Exactly.

Wow, guys.

Well, discussing all these different credit card types and all this, you know, credit card chit chat has evoked some emotions for me.

And yes, I'm having a deep moment inside a conversation about credit card.

I'm just now going down memory lane and I'm thinking about my first credit card ever.

And it was one that had zero perks and also zero annual fee.

And I got my first credit card really just to build up my credit.

So as you mentioned earlier, Sarah, it was a secure credit card.

And so I had to, you know, pay on it every month in order to build up my credit.

And then, you know, as time has gone on, I have, you know, travel credit cards.

I have rewards credit cards for, like I said, groceries and who knows where I'll go next.

So you guys tell me about your first credit cards and kind of like what your journey with credit cards has been like.

Oh, my God, guys.

I just realized, Sean, as you tell that story, no, my first credit card was in London as a college student like you.

And I bought clothes and got myself into debt.