| And don't EVER pay late. The late fees are killers,and something you can prevent. If you're looking to build credit history, you don't want to have something get past 30 days late. It's harder than you think to get that stuff off your record. You should also use it at least once every other month, so that your credit history will show that you are active and responsibly pay your bills. When you have credit cards, you're given a long, long rope to build your own noose--be smart about how you use them. |