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Doug
September 1, 2016 at 10:29 am
I have put a lot of thought into this as a parent of an eighteen year old heading to college and a sixteen year old right behind her.
If you feel you need a credit card, get one, auto-pay a single bill with it and pay it off each month. Hold that credit card for a very long time and NEVER carry a balance while asking for increases in the credit available about every year.
When I look at my credit report I see much more activity around paying off bills each month, on time. Things like an electric bill, phone, etc. all add up as well.
I think that the “need” for credit is a bit blown out of proportion as well, who exactly has the benefit of this premise?
Taylor
September 3, 2016 at 3:14 pm
Thanks for the feedback, Doug!
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