Quote:
Originally Posted by maroman88
ive got a visa card, my dad has a visa card... we get one bill with both our names on it... its all for car parts lol
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That means you have a card on his account. It is not your card and won't effect your credit score. Like an expense account.
Aside from the money aspect of it, credit cards are nice in that they help you with things like short warrantied items, bad sellers, and establish a paper trail of your purchases which can help if things go south.
My wife paid a few thousand "cash" to get a discount from our wedding photographer/videographer, and when they went poof all our money was gone and we are left with only raw images. Barely anything we actually paid for. If we had paid with a CC it would have been a little more expensive but we would have gotten our money back.
To the OP:
Get a VISA card (I'd say AMEX but they aren't taken everywhere and that can be a PITA) and only buy stuff with it when you already have the money to pay the bill. Treat it like if you carry a balance they will cut off your nutsack. Keep that mentality and you will be fine.