First Timers and Prepaid Cards
If you are unsure that you can handle the responsibilities of a regular credit card, you can choose to have a prepaid debit card instead. This card will help you curb your spending by limiting your credit limit to the amount you deposit on your debit card.

Many credit card companies have started offering this type of card to prepare first timers for their eventual use of a regular credit card. Most of these cards come with no annual fees and contain the same features found in regular credit cards.