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[quote=Anonymous][quote=Anonymous]You MUST always pay it off in full, unless you want to have real trouble come your way. We no longer use credit cards but if you are determined to, just charge one or two expenses each month - something predictable like the cable bill or some other regular, reoccurring expense, so you can budget for it. Then pay it off in full every month without being late.

Use cash or debit cards for things like groceries, eating out, entertainment, etc. so you can keep a budget and stick to it. With credit cards, it's just way too easy to spend more than you intended.

FWIW, I think this is a dangerous road. Be very careful. So many people have charged their way into serious debt, and all they have to show for it is a history of dinners out, movies, and things they wish they hadn't bought. Be wary. Good luck OP.[/quote]

Op here. I appreciate this advice very much. As of now, I only use it to fill up the gas tank about twice a month and pay it off in full. May I ask you though, what do you do to build your credit? Mind you, I have nothing in my name. Not a car, not a house, etc.[/quote]

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