Get a credit card. They are unfortunately necessary for building credit, and if you're in the market for a new apartment there may be places which will want to do a credit check. The best way to handle a credit card responsibly is to set it up to auto pay a bill. Preferably a bill that is the same every month. And then, pay the credit card bill in full every month. This will help you build credit without accumulating any debt.
I use a credit card for basically all purchases so I can get points towards travel (paid for my 221b con trip last year). That's more of an advanced credit card usage thing. But I pay my bill in full every month and I never pay interest. I have excellent credit and no debt except for my car payment.
![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
timeasmymeasure
no subject
Date: 2019-03-05 04:49 pm (UTC)I use a credit card for basically all purchases so I can get points towards travel (paid for my 221b con trip last year). That's more of an advanced credit card usage thing. But I pay my bill in full every month and I never pay interest. I have excellent credit and no debt except for my car payment.