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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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