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First-Time Credit Card? 6 Smart Tips to Maximise Its Benefits

Getting your first credit card is an exciting step toward financial independence. Beyond convenience, it gives you the chance to build your credit history, which is crucial for future loans, mortgages, and other borrowing. Using your card responsibly from the start can set you up for long-term financial success. Here are six essential tips for first-time credit card users.

1. Keep Your Spending Under Control Avoid spending more than you can comfortably repay. Experts recommend using no more than 30% of your credit limit at a time to maintain a healthy credit score. Stick to planned purchases, hunt for the best deals, and ensure you can pay off your balance promptly.

2. Always Pay on Time Late payments can trigger fees, higher interest rates, and a negative impact on your credit score. Setting up automatic payments through your bank’s app helps you avoid missed payments and maintain a positive credit record.

3. Pay Your Full Balance Whenever Possible Paying the full balance each month prevents debt accumulation and saves you from paying unnecessary interest. If paying in full isn’t possible, aim to pay more than the minimum due to reduce your balance faster.

4. Monitor Your Transactions Keep track of your credit card activity through your bank’s online portal or mobile app. Set alerts for payment due dates, approaching limits, or unusual charges. Immediate action in case of a lost card or suspected fraud can protect your finances.

5. Regularly Review Your Credit Report Check your credit report at least once a year from the major bureaus—Equifax, Experian, and TransUnion. You’re entitled to a free report annually. Look for errors like duplicate accounts or incorrect balances, and dispute any inaccuracies to safeguard your credit score.

6. Know Your Credit Score Your credit score reflects your reliability in repaying debts. Many banks provide free access to your score. First-time credit card users may consider a secured card to establish their credit history safely and effectively.

By following these tips, you can use your first credit card wisely, avoid unnecessary debt, and build a solid financial foundation for the future.

Pakistan Tightens Overseas Job Screening with New Verification Committee to Combat Illegal Migration

In a major move to regulate overseas employment, Pakistan has formed a specialized joint committee combining expertise from the Federal Investigation Agency (FIA) and Bureau of Emigration and Overseas Employment (BE&OE) to rigorously vet citizens applying for jobs abroad - particularly in Gulf nations like the UAE.

Young Professionals in MENA Redefine Careers: Growth Over Stability

A new generation of professionals across the Middle East and North Africa (MENA) region is breaking away from traditional career paths, with 40% of workers aged 18-25 having already held three or more jobs early in their careers, according to the 2026 MENA Salary Survey. This shift reflects a growing emphasis on personal growth, meaningful work, and workplace culture over conventional corporate loyalty. Amina (name changed for privacy), a 27-year-old Syrian law graduate currently seeking her thi

Laughter Overload: India's Top Comics Bring Triple Trouble to Dubai This June

Dubai's comedy scene is about to get electrified as the blockbuster stand-up spectacle Triple Trouble storms into Emirates Theatre on June 21. Produced by AJ Entertainment, this exclusive one-night event assembles India's hottest comedy trio - Devesh Dixit, Kaustubh Agarwal and Vivek Samtani - for a laughter marathon that will leave your ribs aching.

Building Tomorrow Today: How Unipods is Transforming Construction Through Modular Excellence

With a focus on recyclable materials and energy-efficient production, Unipods is setting new standards for sustainable construction in alignment with UAE's green vision

Pakistan Tightens Overseas Job Screening with New Verification Committee to Combat Illegal Migration

Young Professionals in MENA Redefine Careers: Growth Over Stability

Laughter Overload: India's Top Comics Bring Triple Trouble to Dubai This June

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Gold Prices Soar in UAE: Residents Reap Rewards from One-Year Surge

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Avoid These 5 Costly Mistakes to Protect Your Wealth

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Need emergency cash? Know your options when you need money fast

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How UAE Residents Can Use ChatGPT to Save Money on Travel, Shopping, and Daily Expenses

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Can ILOE help you pay off your loan after job loss?

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Top sectors UAE NRIs can invest in now

As India’s economy powers ahead across diverse sectors, UAE-based non-resident Indians (NRIs) are finding a wider range of attractive opportunities to invest back home. Eased regulations, strong sectoral expansion, and digital access channels are opening new doors for overseas investors aiming to secure long-term returns.