i would agree with everything stated above but one thing. do not pay it off completly every month and try not to exceed half the credit limit.if you owe them 100 dollars, pay them 80. when you pay it all everytime that tells them you dont need their credit. when i got my first card at 18, it had a 500 dollar limit. within 2 months it was bumped up 300. i now at 20 had good enough credit to refinance my truck for 5.75 apr, i have a credit line with matco tools of 24,000 (that i will never use) on top or my truck loan. i own 3 cards. visa juniper, and 2 cards through chase. make damn sure you pay on time or they can double your rate.

i do not pretend to know everything there is to know about building credit. i know enought to get me by. my brother thought he did and he is now in serious debt. 2 brand new ninjas repoed and his 500 dollar credit card was sent to collections.

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