[quote=“maverick27,post:125,topic:39900"”]
I have had a cc for 3 months now @ 0% (student) and only buy gas/emergency whatever with it.
It has a super low limit, like $200 so I don’t get the hesitation to use it.
[/quote]
I never understood the whole having a low limit thing. I know a few people who wont get a credit card because they dont have alot of money now. I guess theyre assuming they are not going to be able to pay it off or something? If you dont have the money, dont buy it? Is that hard?
Anyways, i dont see the real use of a credit card besides building credit if you have a limit below 1k. I use it as cash replacement, so i dont need cash in my wallet to be able to buy stuff. Thats a PITA, i never have enough. And its safer, and i get a few percent cash back.