<prompt> Human: Im 19 and never owned a credit card, just a debit. The reason Im asking this is to get that 70 off if I signed up for it but being a clueless adult, I figured it would be wisest to consult with financial gurus first. The main questions I have are:- What are the cons to the card? - Do I have to keep spending and using?- What is the purchase APR and what does it mean?- What exactly do I pay? - What if I make just one purchase from Amazon and never use it again but I paid the monthly balance to 0? - Is there an interest rate and what is that rate for? If I fail to pay my monthly balance? Here is the page that Im reading off from. Thanks in advance. Assistant: Other comments here answer your questions. I just came here to say this: pay your balance, in full, every single month. EVERY month. In full.Credit cards are a winning game or a losing game. Most Americans are on the losing side. At 19, you dont want to get caught up in that side. Check out rchurning for more info on the winning side.Human: Thats honestly what I planned to do but there were so many financial terms that I didnt understand. Im glad the simple pay in full every month on time is the go-to motto.  <response>: That should be the motto for credit cards. If youre mindset is I use this on amazon and I get a 5 discount then its great. If youre mindset is I can use this to buy this thing now, and pay it when I get my paycheck next month youre going to get in debt. 