I don't know how much you read but statistics show that many college students graduate owing thousands of dollars to credit card companies. It sounds like you don't know much about them if you ask the question; "Is $500 enough?"
p>My first credit card was a Texaco card. I used it for gas and could only use it at a Texaco gas station. This is the way I wanted it. I limited myself to just that company to buy things at with a credit card. I was building my credit at the time but yet wasn't over buying and I paid off the bill every month. Check with your bank about a debit card. Works just like a credit card but has a limited $$$ amount of how much you have in it. No bills at the end of the month to worry about, because it's already paid for and taken out of your account. But you don't build any credit score with this but you won't be in debt either.
Rule of thumb is not to charge any thing unless you can pay for it or have the money to back up the loan.
One way to look at it is when you use your credit card, say for $400.00, would you go to the bank and borrow $400.00 to buy the item you're using your credit card for?? In reality that is what you're doing any way!!!!!
It takes money to make money but credit cards don't make you any money.
If you're wanting to build your credit go to the bank and take out a personal loan for $500 or less and pay it off over a period of time agreed upon between you and the bank. You won't abuse that like you could a credit card.
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Today's Featured Article - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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