No. of Recommendations: 2

The best advice I could offer is to make sure that when you do get a card, you keep a small credit limit on it. Honestly figure out what you think is the most you could swing per month in paying a credit card bill and don't have a limit above that. The CC company wants everyone to have a high limit so we will spend ourselves into having to only make partial payments, and they make the money ( and how!!) from our interest payments.

After you have that card, stick with it. Do NOT apply for another card. Use only that one card. The mistake most people make, including me who once racked up $26K in CC debt (long payed off now, thank God!) is to have multiple cards. A few hundred dollars on this one, a few on that one. I don't really have much debt, do I? Surprise!

Realise that credit is a wonderful tool which can go terribly wrong if not used wisely, and you should be fine.

Debt it no fun.

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