Which action is advisable when starting to use credit?

Starting with a small loan or credit card is advisable when beginning to use credit because it allows individuals to build a positive credit history without overextending themselves financially. This approach helps in managing payments more easily, reduces the risk of accumulating debt, and provides an opportunity to demonstrate responsible credit use. By starting small, one can establish a track record of timely payments, which is crucial for improving credit scores over time.

Engaging with credit on a smaller scale facilitates the learning process, enabling individuals to understand their spending habits and the importance of making timely payments without the stress of a high credit limit. This gradual approach can also lead to opportunities for larger credit lines or loans in the future as the individual's creditworthiness is established.