LogFAQs > #933227440

Hexenherz posted...

Set up a reminder on your phone or calendar app to go off every two weeks to remind you to log on and pay your bill.

I would recommend using it initially (for the first half a year or so) only for recurring bills (car insurance, phone, utilities), and *not* for other things. This will get you familiar with seeing how your checking account looks before and after the card payment, and will help ensure you're making payments on time and not over extending yourself.

Once you get into that groove then consider using it for other regular purchases like groceries and gas, but *don't* use it for other stuff.

You might consider starting out with two cards just to help build a longer average credit history earlier on. If you do this, I would just use the "weaker" card for small purchases every couple of months, like a soda at the gas station, just to keep it active.

Personally, I'd put everything on the card (I do) that can be purchased with card. Don't ever use your debit card, only to withdraw from the ATM. The bank will screw you over if your card gets skimmed or something.

Pay it off every month, get a card with rewards, build your credit and your rewards. Every quarter or so, redeem your rewards as a credit towards your balance.

And when I say use it for everything, I mean only for things that you would normally buy and can afford. It's not free money. You have about 30 days to pay off your purchase you just made.

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