Credit Card or No Credit Card?

Ellis Cellar: Honey use craigslist and get a used one. I have 3 cc's and they are bad news. You think that you are only going to spend a little and it turns into a lot. Then you find yourself in debt and with a job that leaves you enough to pay the min. payments. So my suggestion either save, use the laundry mat, or look on craigslist. Or borrow from a family member that will allow you to pay back in payments with no interest. If your family and bf already help you out the last thing you need is a cc....Show more

Kim Gerbino: Here are some tips on credit cards1. credit cards are good to build credit and emergencies 2. credit cards are bad if you are not responsible and are not able to make payments on time they will get you in debt.when looking for a credit card you have to look for low interest rates, no annual fees and rewards in your case the best way to build credit is applying for a student credit card these cards have no annual fees and help students build cr! edit, check out www.fastcreditcardapprovals.com under student card here you will be able to compare them side by side....Show more