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That these continue to be issues of contention saddens me, and it’spartly our fault as critics and journalists for not doing a better jobof explaining what the stakes are.
Most lenders will want to see that you have an established credit history before issuing an account, says Derek Brainard, a financial literacy coordinator at Syracuse University. "If you already have student loans or other types of consumer loans, you may already have an established credit history," Brainard says.All of the airline miles in the world won't bail you out of excessive credit card debt."1. "Your goal should be to never let your spending exceed 30% of your credit limit," she says."The lower your utilization rate" — how much of your credit line you use up — "the better your score will be." advantage to only paying the minimum amount due on your card.The catch with store cards is that the interest rates are often higher than a normal card, which will become expensive if you can't pay off the balance each month," Pukas says.If you are unable to get a credit card because don't have the strongest history, or any history at all, you might find that a partner or relative is willing to cosign one with you, or open up a card for you.
Have a discussion about the way the card should be used in advance, with clear parameters.