Credit

Get a card with a low interst rate.

Pay all of your bills on time --late payments negatively affect your credit report.

If you make a large purchase that you can not pay off immediately, pay more than the minimm amount due. If not, you will be paying for more than what you purchased (finance charges will be added to your purchase amount after a period of time).

If you are going to be late or miss a payment contact the credit card company and let them know what is going on. If you do they may waive the late fee or make sme arrangments with you. If you keepin contact with them they are usually pretty flexible.

Also, just because the company gives you a limit of say $1000 dollars does not mean that
you have to accept it. You can request that your limit be lowered.

I would reccomend the American Express card simply because there is no preset limit. However, there is also no minimum payment allowed. All balances must be paid in full every month or you will be penalized and your card will be made inactive.

I would stay away from Discover because their interest rates are pretty high. It really will not mean anything if you pay your balance in full every month but if you
have a large purchase on the card then you should do like I said earlier and pay more than the minimum amount due (at least $20 more) in order to take care of the interest and chip away at the principle balance.

Hope I helped!!

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