Well, being new to America, a lot of this stuff is really new and strange to me. Back in Europe there was no need to "build" a credit; your credit was good as long as you hadn't screwed it up and you had a steady income, there was no rating system. At least I never came across any problems getting a loan, and I never had a credit card.
As for building a credit, how long does it take and why does one want to do it? I've no income until I find a job, but once I do, is there a good reason for me to get a credit card? Furthermore, if I get one, do I pay a monthly fee for it, and do I actually have to use it?
I've used my debit card online, since it is so convenient and I am used to it. I didn't know you're not supposed to do that.
