Quote:
Originally posted by FAB*SpiceySpice
Well I have good credit and I've never had a credit card, so maybe my mom just told me having a debit card builds my credit so I wouldn't get a CC. Who knows?
Either way it doesn't matter b/c I never buy stuff I don't have money for. My parents have never in their lives had credit cards and they somehow managed to buy several houses, cars, etc. so I am not worried about it.
|
how do you have any credit if you have never had a credit card?
i believe most lines of credit open as soon as you get your first card. have you ever checked your score, or are you just assuming you have good credit?
*******************
credit cards are a necessity to build good credit and eventually buy a house. unless mommy and daddy are going to buy a house and cars for you, or unless you have inherited a ton of money, you WILL need good credit one day! very few people have several thousand dollars in the bank to buy a house in full. and if you don't have it, you WILL need a mortgage which means you WILL need credit.
get a card and use it wisely. pay of your balances in full each month and you will build credit. don't ever charge more than you can pay off each month--finance charges ARE NOT WORTH IT!! be smart now and you will be happy later.