>>1028507 debit cards have a visa or master card option on it so it can be used through those networks. Thieves can charge you're debit card as a credit transaction without using a PIN and deduct money straight from your checking account n
How is it being a debtslave if you don't pay any fees when you pay it off in full?
Seriously are you people just ironically posting rn?
IF ANYTHING, Credit Cards just give you more freedom and options. It's basically like using Cash but more convienent in many ways and there are some options that will get you in debt and fug you up but you can treat them as if they don't.
I don't understand how in your head you think buying things and paying them off within 21 days = debt.
I have a (relatively low credit limit) credit card that I've been using for 2 years now once in a while to buy stuff, I always pay it off a few days later when it shows up and go about my day. I have yet to be marketed to in anyway or receive any more junk mail than prior.
>>1029660 Please read up on credit at http://dropcanvas.com/zpf5p
With the Credit Secrets bible above and Creditboards.com I made 75k in new credit black friday 2014. as a student.
First thing for you Newb is to ask your parents to be put on as an authorized user on their best card. No missed payments for 2 years, 7 years history. If they've got a charge card in AMEX, get on that too. Add to your diversity points. The major thing in a score is a history which you lack. Now with authorized User status you have it. Once the cards post on your credit profile, check your score, and log on to creditpulls on creditboards.com and match your score with with the best card in your range.
Also when Applying you are estimating your income way high, its not your salary, its all your income, so christmas money, your aunt had a cough this year basically canceraids for a huge inheritance, etc... Also your job is MANAGEMENT, always! you also should have extra income on the side, even if you put $100, put something in the extra money column.
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