I grew up in a family that was drowning in credit card debt and the unforgiving int rates, fees and all of that, which is why I stay tf away from credit cards. I’m 21 and a bunch of banks send me in the mail the option to apply for a credit card with them but I always ignore them.

At the checkout at JCPenney, the cashier said something about a 35% discount and I told her why not. My mind was somewhere entirely and it came back to reality when she gave me my receipt even tho I never made a payment so I asked why and she told me that I now have a 1.5k credit card limit at JCPENNEY.

Now I’m wondering if this card works the same way as BOA CD does where if you pay a minimum amount each month, you won’t get charge any fees. I usually pay in full each month but I forgot to do it once and they charged me. Idk much about how credit cards work tho. I have a 788 FICO score but I don’t what tf it means or what I can do with it.