Have you ever experienced the thrill of getting your first credit card? Or a new one? You might think, “Oh, goody, now I can buy that big toy/new wardrobe/take that trip I’ve been wanting for a long time!” If you have impeccable credit, you might qualify for a very low-income credit card. However, most of us have credit scores that are not so great, and end up with cards that offer 18-24.5% APR.