Quote Originally Posted by Skink
Credit is a beautiful thing if you master the concept...

ya i have great credit, and it seems that credit is more valuble than actually money, sometimes you can have the money to buy whatever you want but you also need good credit. and for some, bad credit holds them back from many things.

I only use my credit for gas(if i have nocash on me) and little things like food.

My guideline that i follow is: If i want to buy something with the credit card, i have to have enough money in the bank, So I know i can pay it off.

Good luck:thumbsup: