Quote Originally Posted by NVM View Post
The way I look at it, is just spend your money upfront in full without using any plastic, etc. I have 0% credit but I really don't need it right now. I have a phone under MY name, cars, etc. One day I will get a loan and go from there but I WILL NEVER get a credit card. Seen too many people around me get dug down in debit with those things.

thats because they dont know how to use it.. let me know when you wanna buy that home!!