Are credit cards all that bad?
I started my credit write after HS in 2011 when my 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. 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. I would get charged interest only if I miss a payment. My parents have been against it but it boils down to my decision. I'm 20. I think it can help build credit if anything.
Personal opinions?
Added (1). I do have a job. And yes I now about the deadline. The purchase I want has a no interest within 365 days.