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Young woman holding first credit card, making an online purchase from her laptop while on her apartment balconyDo you flinch at the thought of the words “fiscally responsible?” Does your head spin every time the cashier asks if you have a Nordstrom/Gap/PacSun card? Do your nightmares consist of dollar bills flying out of your wallet and into a pool of Wall Street-looking business men? Relax! If you’re new to managing your own finances and establishing credit, we’ve got you covered. Here are a few basic things that all credit card noobs should know.