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    I was rejected again and again, and I finally had to sign up for a card that required me to put down a cash deposit. It turns out that even though I love to shop, I’ve never been tempted to pay credit for something that I can’t pay off in full at the end of the month. I have a pretty passive relationship with my cards.I use them to pay for everyday purchases and don’t think much about them beyond that.You’re using debit cards instead, much for the same reason that I did in college — because credit card debt seems terrifying.While debt is bad, and I admire all of you for not taking it on, it’s also bad to not build credit.

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    Ahead, Priya and I walk you through everything you need to know about credit cards — the good, the bad, and the confusing.If you live in the USA or another country that is not part of Europe, your relationship with us is governed by here.Zoosk currently makes services, products and features available through our Sites, applications, which include mobile applications and applications available on social networking sites and other platforms, and our downloadable products (the "Services").So I chatted with Priya Malani, our Refinery29 financial expert, and together we put together this handy credit-card primer. Sure, there are some weird terms (APR, APY), and for some people, the risk of abusing your credit privileges and going into debt is a very real problem (and for these people, it's better not to use credit cards).But for the rest of us, the plastic rectangles are essential for building credit (should you want to buy a home or a car one day) and make paying for day-to-day items a whole lot easier.

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