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By Taylor Tepper and Kate Santichen
October 23, 2015

Most people think they understand credit cards, but the truth is they can be tricky tools to master, especially for a newbie. When you’re just starting out and trying to establish good credit, the key is to carry the card that best matches your spending style and habits. How many cards you have and how close you come to your credit limit matter too. Here are three common credit card myths and preconceptions that stand between you and a healthy credit score.

Take this quiz to find the right credit card for you

Advertiser Disclosure

Money has partnered with CardRatings.com and ConsumersAdvocate.org, among other companies, for our coverage of credit card products. Money, CardRatings.com, and ConsumersAdvocate.org may receive a commission from card issuers. For example, Money receives a commission from Citi when you apply and are approved for a Citi product through the links on this site.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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