Are credit cards bad?
My credit score is 630 which is not horrible but I am only 19 so I don’t have much credit anyways. I really do not want to get a credit card. I find everything about them tricky, and I know they can get people in a lot of trouble. I don’t know if I would even be able to pay the whole thing off every month. Is there a minimum on how much you use your credit card? Can you have one and then maybe charge 100 on it and then not use it for a while??
I want to establish more credit, and I pay my bills on time. IS there any other way to establish my credit….w/out getting on an joint account with someone??