Soleron on 26 September 2010
Use a debit card for everything except the really expensive purchases that you need the insurance/safety net on.
On those, pay the balance off asap and never buy anything you couldn't afford immediately via a debit transfer instead.
Credit card companies only make money from you when they can charge you interest or fine you for late payment. Don't let yourself get in to either situation and it's fine.
Does Canada need a good 'credit rating' to get a card? I know the US does but the UK does not. If it does, you'll need to start with tiny purchases and paying it off fast to be able to up your credit limit to something workable.
