[bcj]

Going with an 18% interest card is silly if you come up against hard times for any reason.

Go with a Credit UNION. They generally have lower rate cards available.

Back in the 70's I bought a TV on credit to start out. I had the cash, but wanted to get going.
Paid it off every month on time. Low risk progression. I suppose a tablet or laptop would be another good option now.
Don't go for a new car as your first debt debut.
Build up with some more expensive items that you could afford with cash immediately.

They like to see that you pay up on time reliably. It's the history that counts.
Your credit limit is not what you have available to spend.
It's what the banks want you to be in debt for and paying them 18% interest on.


Stupid TV didn't wear out until '96. Flat screens were starting to show up but were more than I wanted to spend.
Got another tube unit and that will probably go another 20 years. FML