I disagree with TD, as long as you pay your bill in a timely fashion eact month, credit cards can be a good thing. They have some good benefits (i.e., I get 1% back on all I spend). Also if you pay for a good or service that isn;t what you thought, try reversing a debut card transaction, it is very difficult. With a credit card compnay, you smply call them and they may have you write a letter.
In sum, pay on time and it can be a good thing.
P.S. I also like using credit cards because it prevents many service men and shops from cheating on their taxes. i.e. when you pay a roofer in cash, I bet they are hiding much of their income from the IRS. When paying by credit card, there is a record and therefore harder to hide.
Dont get a credit card with or without a job. If you cannot afford it dont put it on plastic. Wait and save the money then purchase. Use your debit card for hotels, airlines, etc. Stay away
I got my first card 20 yrs ago in college and all I was doing was working intramural sports officiating. Job didn't pay much, but I paid off what little I put on the card on a regular basis.
you can get one of those debit cards that goes with your bank or one of those prepaid credit cards....
if you do get a cc and you dont have the money for it..leave it open but dont use it or if you have to use only a little bit..it helps with your credit score
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I disagree with TD, as long as you pay your bill in a timely fashion eact month, credit cards can be a good thing. They have some good benefits (i.e., I get 1% back on all I spend). Also if you pay for a good or service that isn;t what you thought, try reversing a debut card transaction, it is very difficult. With a credit card compnay, you smply call them and they may have you write a letter.
In sum, pay on time and it can be a good thing.
P.S. I also like using credit cards because it prevents many service men and shops from cheating on their taxes. i.e. when you pay a roofer in cash, I bet they are hiding much of their income from the IRS. When paying by credit card, there is a record and therefore harder to hide.
Dont get a credit card with or without a job. If you cannot afford it dont put it on plastic. Wait and save the money then purchase. Use your debit card for hotels, airlines, etc. Stay away
Credit card companys line up to give credit cards to college students.
I got my first card 20 yrs ago in college and all I was doing was working intramural sports officiating. Job didn't pay much, but I paid off what little I put on the card on a regular basis.
you can get one of those debit cards that goes with your bank or one of those prepaid credit cards....
if you do get a cc and you dont have the money for it..leave it open but dont use it or if you have to use only a little bit..it helps with your credit score