I love how all of these people say...oh so and so is going to screw you.


Banks do not screw people. PEOPLE SCREW THEMSELVES. Overdraft fees, overlimit fees, late fees, etc etc are no ones fault except your own. Your bank didn't make you go over your limit, your bank didn't cause you to overdraft, or your bank didn't make you late on your payment. Credit is a priviledge, not a right. Read your terms & agreements on your cards, they tell you everything you need to know about it.

start w/ a store credit card or something with high interest. You aren't going to get the best rates to start out. you have to work your way up. My first card had a $500 limit and now that credit line is up to 9,500 in a matter of 4 years. It just takes time and responsibility to build credit.