You need to feel comfortable managing your money before you should consider a credit card. Even those who are usually very good with their money can get into deep financial trouble with these cards.
When you apply for a credit card, and get your favorite sports team cup or t-shirt, you are signing a contract with a bank. This contract says that you will use their money to buy things and pay them back later.
If you are at least 18 years old, have a regular source of income, you may qualify for a credit card. The fees, charges and benefits for credit cards vary among different companies, so you should shop around for the best rates. Start with your credit union and/or bank first, as credit unions often have some of the best rates. You can also try creditcards.com. Compare the annual percentage rate (APR), late payment charge, annual fee (some are free!), and grace period to make sure you get the most out of your card.