nordlead on 12 April 2010
only say yes to the credit card if you are actually going to use it. It's a toss up if having a CC you never used is any benefit on your credit score. As for do you need it? you have to decide that for yourself. Personally I'd never get a CC unless you are going to pay it off 100% every month, as a 20% loan (or more since you are a student) isn't fun to pay off.
@Kasz
you're serious that the health bill dictates bank behavior? that is so stupid. The government really needs to put an end to all these riders on the bills that affect other areas not related to the main point of the bill. So stupid.
