Quote:
Originally posted by FAB*SpiceySpice
So if you are wanting a credit card just to build your credit, I'd suggest just using your debit card, it still builds your credit, this is what I do.
|
WTF??? Who told you using your debit card builds your credit?
I feel ya on the mindset thing. My parents raised me the same way, but after I got mostly cut off (they still pay for my cell phone, insurance and my gym fees) I needed to get CCs to build my credit up more than what my parents did. I walked in to the real world walking without having to crawl first. When I was in college my parents put all my bills in my name and my dad put me on his payroll without me knowing it. Thank god they did because after 6 years in college my credit was the shit after I got out, that and it looked like I'd had a well paying job for 6 years when they ran an employment check or whatever it is they call it. My parents were sneaky, too. They got me a credit card (Visa) without me knowing it was mine. They told me it was my dad's and that they got me a card in my name but it was billed to his account. The intent of that was to make sure I wouldnt charge all kinds of shit out of fear of getting bitched out/cut off. It worked. After I graduated I found out it was in my name alone all the time and that they used it to beef up my credit score for when I got out of school. When I found out about being on payroll I asked them wtf did they do with all my tax returns.....
They claimed it went to paying off the credit cards. I'd suggest you talk to your parents about doing the same type of thing for when you're done with school and out in the real world. You wouldnt believe how easier life is with really good credit as opposed to having none/bad/ok credit. You can't do shit in the real world without a good credit score. Employers are now making hiring decisions based on credit scores.....can you believe that?