she ain't gotta know brotha. prob is good to have a job behind it tho

You go to your parents saying you wanna build some credit I’m sure they'll not only be happy to help but proud of you as well

Both my parents went bankrupt and have to use one of my cards for purchases lol. I've had credit cards for about 5 years now but never have been able to get my score past 750.

my bro is 29 and he doesnt even have one too. He lives in an apartment and got his own car. So im like confused as to why you need a credit card

hold on 29?

that your bro on first page who replied to you?

nah lmaoooo, but seriously I have no idea how credit cards work. I never learned about them

best time to get it and pay it off

just use it like a debit card it’s so easy unless you don’t have any self control then don’t bother

good credit allows you to get good interest rates on loans/mortgage

yea but Im unemployed rn as im still going to school, so how will I pay it off?

yeah you do need income or should have money in your debit before using credit.

do you have any money at all? you can literally go buy a pop with it and pay that off and that will help you.

You don’t want to use more than 30% of your available credit, at least that’s what I’ve heard

Don't spend more than what you can afford, and pay off what spent as soon as you swiped that credit card.

Slow and steady wins the race.

Went from 750 to 690 over the past couple yrs

That happened to me in like a month bruh 755-699, never missed a payment. No bad marks, I literally don’t know what’s going on

Wtf that’s wild

Mine was because of high credit utilization (never missed a payment but my balance is $9k that I have to pay off)

That might’ve been it tbh. I went a lil crazy last couple months, but I’ve still never missed a payment (I always pay in full)

Is this some american s*** or am i too young

You just have to believe in god

same, my parents make it seem like its bad for me to do it at my age so i just have a debit card lol

Same age and I don’t ever plan to get a credit card. It can be a slippery slope, can still get approval for house loans and s*** by having a good savings history and no debt

Edit: not from America so idk if it’s like a requirement or some s*** there

yea I got a debit card. But dont you have to pay interest too for the card?