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  #10  
Old 04-04-2005, 12:21 PM
FAB*SpiceySpice FAB*SpiceySpice is offline
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Join Date: Aug 2002
Location: My heart will always be down in the ZOU!!!
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I have never had a credit card, only a debit card. My parents, who are lucky enough to have really well paying jobs, told me to never get one. They don't have any, and I was raised with the mindset that you shouldn't buy anything you can't immediately pay for. I know this however doesn't work for most people b/c most people do need to borrow money at some point or another.

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.

However if you want a CC so you have the extra money then I don't know what the best is, just be super super careful. My brother got a couple of them when my parents cut him off (they hate his fiancee) and he bought her engagement ring plus other random stuff on it and he's now in an immense amount of debt. Just be very careful! My roommate has a money problem and she gets new credit cards so she can pay off her old ones. We haven't even graduated from undergrad yet and she has $5000+ in debt!
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