Quote:
Originally Posted by Hemi-Cuda
nothing. i used it as much as i could to build up credit, but i always paid everything off as soon as i saw a balance appear on my online banking to avoid interest. still never got any card offers.
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Ah, that's the key then. Because you never carried a balance; they never reported you to the credit bureau.
When we get summer students I tell them to buy something for like $100, then take 4 months to pay it off. At that point you are establishing credit. For some reason card companies don't always report you if you always pay it off in full- which I don't get. They are still lending you money.