A reader asks…

When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

A Reader Asks…

I’m sure some people might say having no credit card is best..but to build up credit you have to start somewhere!
My friends credit is ike 580 or something, and I told her i would look into it.. Thanks!

A Reader Asks…

I’m 23 and I do not have any credit… I feel like I’m getting to old not to have credit. I’m ready to establish some credit without getting a credit card. Do anybody have any suggestions?