Proszę o sprawdzenie i ewentualne poprawienie błęd

My first bank account opened me my parents when I was 16 years. However if I didn’t have a credit card. Today most of people use credit cards. What is more also teenagers use it. I have my credit card for two years. I think that the use of credit card has more advantages than disadvantage.
My first point is a credit card is a safer than cash, because anyone can not use your credit card without your PIN, so your money are safe.
Secondly You can pay by credit card for purchases in online shops, therefore you don’t have to leave the house.
Next advantages is it that teenagers can learn economy. They can always check how much many they have on their bank account. They can better plan their outlays.
I think the only disadvantage of credit card is that you can’t pay it, for example, on the bus or a small shops.
I personally believe I think that everyone should have a credit card, of course with the exception of children.
It is a comfortable and safe.

Jeszcze raz proszę o sprawdzenie i ewentualne poprawienie błędów ;)

My first bank account WAS opened FOR me BY my parents when I was 16 years OLD. However, (BEZ IF) I didn't have a credit card THEN. NOWADAYS MOST PEOPLE, EVEN TEENAGERS, USE THEM. I have my credit card for two years NOW. I think that USING credit cardS has more advantages than disadvantageS.
FIRST OF ALL, a credit card is (BEZ A) safer than cash, because NOBODY CAN use your credit card without your PIN NUMBER, so your money IS safe.
Secondly, you can pay by credit card for purchases in online shops, therefore you don't have to leave the house.
Next advantage is THE FACT that teenagers can learn HOW TO DEAL WITH MONEY. They can always check how much MONEY they have on their bank account. They can plan their SPENDINGS IN A BETTER WAY.
I think the only disadvantage of credit card is that you can't pay BY it, for example, on the bus or IN (BEZ A) small shops.
I personally believe that everyone should have a credit card, of course with the exception of children. It is (BEZ A) comfortable and safe.

Pozdrawiam,
Annie ;-)
It is a comfortable and safe.

Dzięki wielkie ;)

Od kiedy, no od kiedy piszemy 'I' mala litera?