It's because of those stupid cards that my credit was completely messed up before I even graduated from HIGH SCHOOL! At one point, I had four cards, all of which were maxed out and above the limit. Like Korkscru, I would suggest to anyone NOT to get one until you have established some type of financial stability. If you HAVE to have one, be sure to put SOMETHING on those monthly payments. They cannot report you if you at least send something when the minimum balance is due. And if possible, send in over the minimum amount due. You know yourself more than anyone else, and you know if your an "impulse" person or one with more composure. Personally, I buy on impulse and I've learned from that. I'm a cash-only person. I have cut all but one card which will only be used for emergencies (I keep it AT HOME). Interest and various charges has made me pay over three times the amount of the original item that I bought! Isn't that a trip! Right now, every penny I earn goes toward my debt, and that's very hard especially since I'm still in undergrad. I think the whole system is a trap, but I'm determined to get out. Best of luck to you.
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*someday...if it's in God's will*
[This message has been edited by NOWorNEVER (edited July 02, 2001).]
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