[quote name='VanillaGorilla']Let me clear things up. The reason I can't afford two games today is that I only get paid every 2 weeks, and only have about $50 left. However, I get paid tommorrow, so it's not like I can't afford the games, I can, but just not today. And I won't get another chance to get to Toys R Us, since like I said, it's a long drive, and with my work schedule the way it is, I wouldn't have the time to take 2 hours to go to Toys R Us and back. I am fully aware of the benefits of a credit card, but from experiences with friends and family, they always seem to lead to trouble. I have a Visa check card, but the money comes right out whenever I make a purchase.[/QUOTE]
Credit Cards lead to trouble if one is weak minded... but used properly they help raise one's credit score, I buy, buy, buy, but make sure my balance goes down each month... I have excellent credit by the way
The trick to having credit cards is not to spend over 25% of the credit limit... that shows other creditors you are responsible and wont overspend... with that,they will slowly begin to raise that limit and raising your score... I started in college with one Discover card with a 1000 limit... I have over 50 times that available on my cards now
I am very well versed now on what it takes now to establish and get good credit, after a disputed set of marks against me that I spent months getting rid of, helped my wife establish very good credit as well... credit cards are not bad