You dont need Credit Cards to build credit.If you dont believe me, I've never had one and likely never will and my credit score is in the upper echelon of the possible score. Use things like cell phone bills and car loans to build credit. Credit Cards lead to nothing but trouble. Just remember, Credit Card companies love to "give out" their money hoping that you wont be able to pay it back.


** Mike ** "You might beat me in a straight line, but I'll embarass you in the turns"