Re: So I want a credit card
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You can disagree if you want, but it's not an opinion.
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BusterStacks is right on this one. The best way to build credit with a credit card is to max it out, let it sit for a month, then pay it off completely. This is not a matter of opinion, it is fact. Now, some credit card companies report what your credit limit is, not your highest balance. With these it won't matter, but until you obtain one of your own credit reports, you won't know whether they report credit limit or highest balance. The best way to be sure is to max it out, then pay it off, that way your current balacnce shows "$0," but your high limit shows the maximum.
The Ultimate Credit Handbook by Gerri Detweiler is a good book on learning how the whole credit reporting process works.
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