Are credit cards all that bad? - 1
I started my credit right after HS in 2011 when I co- signed with my mom for my new car. All payments so far have been on time so I assume my credit is very healthy so far.
I recently applied for a credit with Barclaycards, they work with Apple, to buy an iPhone 5, no interest for a year. I have a job. I've done the math and it would be $55-$60 a month. Personally I think that's easy to keep up with.
That is the only thing I would use my card for. So I'm definitely not going to town with it. I would get charged interest only if I miss a payment or have not paid full by the deadline. My parents have been against it but it boils down to my decision. I'm 20. If anything I believe it could help build my credit.
Personal opinions?
There's nothing wrong with your idea. As long as you learn not to go crazy with the card, you'll do fine. If a time comes you'll be short with a payment.don't be afraid to ask mom for help. That's what parents are for.
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