LogFAQs > #886502245

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TopicDo any of you not have a credit card?
AlternativeFAQS
09/12/17 11:50:17 PM
#20:


Medussa posted...
AlternativeFAQS posted...

no, you should be able to get some crappy one. something with a very low limit and high APR


but that bs is exactly why I never got one in the first place.


that's why I avoided them too. i saw what bad credit did to my parents. you just have to use them correctly. all you have to do in the beginning is use about 30-40% of the limit and then pay it off for a few months and keep doing it. most new cards do come with a 12 month no APR thing. by the time the 12 months is up your credit score should improve
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