Quote Originally Posted by sissysnakes View Post
At some point you dont have much choice... everyone needs to build up credit and loans/credit cards are a good way to do it. I cant have my mother co-signing for everything. You just have to be careful and not bite off more then you can chew. Its not easy but its doable.
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True the problem is people who are not disciplined spend more than they can afford with credit card.

I have 2 credit cards and zero CC debt, credit card are paid of each month and are only used as a buyer protection, no interest, no fees, it does not cost me to have my credit card it actually earns me as one gets air miles and the other gets Hilton points, this mean FREE vacations.

CC companies hate people like me

Key word with CC is discipline use it like you would a debit card and do not spend the money you don't have.