Do you own any credit cards?

[honeyflower93]

No but I'm going to get some secured cards soon. It's necessary as my credit is abysmal. Unfortunately, my parents didn't teach me much about finances. I thought avoiding credit cards would be a good thing but it's really not.
Paying bills (rent utility) on time keeps your score from dropping but usually doesn't help it rise. Apparently they have to pay a fee to report to credit bureaus so it saves money to only pay this fee when something is wrong. Basically the cards would have been somewhat of a buffer when I was having hard times.
Responsible credit card use and repaying whatever small loans you can get approved for will help rebuild damaged credit over time. I'm going to get maybe 2-4 cards and go from there.

[madeara]

Yes, I do own credit cards.   I have two credit cards.  I always pay my bill early.  I have perfect credit.

[Skyenkit]

Yes! I also have debit card but I don't use it I only use credit cards all the time.

[Jon626C]

I don't have credit card. Thank You!

[jenniferhoder]

Yes, a few but I don't let the balances get too high

[ljrjess69]

nope,,use to but not anymore!!!!!!!