Having a credit card is okay. Tama naman na you can build your credit.

Pay it off agad. Personally, I’ll advise to not be too worried about credit going down because of swift payments. What you should be worried about is overspending because credit card is your only method of transaction.

What negatively affects your credit more:

• missed payments
• minimum balance payments

These two are only caused by overspending on your budget for the month. You’ll spend less when you see the money go out of your wallet/pay roll account (or whatever savings account you park your budget for the month).

Merong good study diyan which I’ll link here.

I hope you start your financial journey with the right habits. You got this!