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Credit score ranges can be roughly equated to levels of credit, from Bad to Excellent: Applying for a card designed for people in your FICO score range does not guarantee you will be approved.

I use them to pay for everyday purchases and don’t think much about them beyond that.

There are only a few benefits that come with this card, and Genesis (the issuer) doesn’t provide many details about them.

Take note that you’ll probably end up with an annual fee with this card. We’ve had reports of people getting a pretty low credit limit of around $300, so this card won’t be very useful if you want to make big purchases.

But in my job, I inevitably end up talking with a lot of women about their money.

And I was surprised to learn that many of you aren’t using credit cards at all.

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.

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).