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Originally Posted by LLL2
That's why I don't have an credit card though.I use my debt card when I need to buy something off the internet,all they do is take it outta my bank account.But that's because i knew someone that's has the same problem like yours,and thought I better not get a CC.But I really have no bills see how I live at home still.Also my credit probably sucks see how I have no monthly bill. Oh well.
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I thought like that for a long time until I tried to get a cellphone recently and was turned down. No credit is about as bad as bad credit. To get a card, I had to open an account with Wells Fargo, and get a secured credit card with them. I'm only using it to pay off bills and building up credit slowly.
It takes time to build up credit and time to get rid of bad credit. Good luck.