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maci_mace · 11-06-2011, 03:03 PM

I didn't read all the replies but I am 21 too! I have had one credit card it was a $600 limit. I tossed it when I got married. Now my husband has a credit card with a $4000 limit. We use it for plane tickets and vacations, then pay it all off right away.

This is a good way to start building credit, apply for a small credit line 400-600 dollars to start. Then just buy gas, food with it and pay it off right away. I suggest getting one through your bank, and read ALL the details and info on interest rates! Most cards don't charge interest until 30 days after the purchase.

We have NO debt. No mortgage, no car loans, no school loans. We got married last summer and paid cash for EVERYTHING in our wedding, and took a year to save the mondey before hand. So whatever you do, don't go into to debt building your credit. Do it wisely!

11-06-2011, 03:03 PM	#21
maci_mace YT 500 Club Member Join Date: Sep 2011 Location: Edmonton, AB Posts: 797	I didn't read all the replies but I am 21 too! I have had one credit card it was a $600 limit. I tossed it when I got married. Now my husband has a credit card with a $4000 limit. We use it for plane tickets and vacations, then pay it all off right away. This is a good way to start building credit, apply for a small credit line 400-600 dollars to start. Then just buy gas, food with it and pay it off right away. I suggest getting one through your bank, and read ALL the details and info on interest rates! Most cards don't charge interest until 30 days after the purchase. We have NO debt. No mortgage, no car loans, no school loans. We got married last summer and paid cash for EVERYTHING in our wedding, and took a year to save the mondey before hand. So whatever you do, don't go into to debt building your credit. Do it wisely! __________________ Maci May, Leonidas, Tyler&Ashley our small happy family!