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January is prime time to get into shape.

We’ve all been there. Maybe it’s that I-gotta-have-it urge that overtakes us when we see a pair of designer jeans. Maybe it’s that shrug as we reach for the $6 cup of overrated coffee that says “I deserve this.” Or maybe it’s that helpless feeling as the end of the month draws near and we realize we’ve outspent our budget — again.

Getting a credit card can be a great way to build your credit score. However, you may also have heard stories of people ending up in credit card debt with exorbitant interest rates! This might make you nervous about embarking on the journey of signing up for a credit card.