I have a discover card. I get 1% cash back automatically and 5% depending on what I buy. Nearly half the year you get 5% cash back for gas = ) In the past 12 months I've paid $0 interest as I don't leave a statement unpaid. As long as you pay each and every statement, you'll never pay interest. I have paid $20 in fees due to a protection plan I'm under which I should honestly just cancel but it's very insignificant when compared to spending so I keep it just in case. I really like the card. The only downside is it's discover and some places do not accept discover. Also, mine might be a student account which might keep the fees low. I don't know much about that.

I mean, while that's true.  They all cost money and require you to do things that rip you off.  Like rent furniture instead of buying it for example.

Getting a credit card with say... a $500 dollar limit and using it exactly like you would a debit card is just the best way to do it.

I use several different credit cards. I have a visa platinum card that gives me airline miles and a chase preferred card that gives me 5% cash back on amazon snd alot of online stores

I use a MasterCard debit card and I had some bogus transactions on my account b , my bank promptly canceled the card and I had a new one 3 days later and they payed back the money .

Not here ranging from:  $30 a month if you want unlimited debits at any atm to lowest $4 a month with max 10 debits per month, $0.25 per additional + withdrawel at other atms costs you $3.00. Use it accross the border, extra fees on top.

Credit card is cheaper in the end, and getting a credit card at the same bank waves the monthly fees for the debit card, so you get both. It also saves a lot of hassle shopping online. Oh and if you don't want to spend more then you actually own with a debit card, you still need to pay $4.00 a month for overdraft protection.

Cash
- Never spend more than you actually own
- No fees
- No credit history required

Fixed :)

My Credit Card number is: 4582 - 5688 - 4287 - 0224 Visa Exp 04/14 cv2 is 554

Go spend as much money on it as you please, Merry Xmas

Yeah... but then your getting ripped off by renting shit you could be buying.

Just using a credit card like a debit card is the easiest way to build credit, and the one that won't screw you over.

I mean you can get credit cards with limits as low as 500-1,000 dollars.

Use it just like you would a debit card... and it's easy.

There is no credit card that is 'best' for you. They're only 'best' for the company issuing it.

The borrower is slave to the lender, and the only way a credit card could be 'best' for you, is if you're issuing it to someone else.

Depends on the situation.
I save allot of money, so I always have cash in the bank, I don't need the debt.
Credit cards have interest rates and fee's attached over here thus it's an added cost that being a little bit thrifty can avoid.

However renting stuff isn't always a bad thing, if you rent a computer you can then swap it for a new one in 12 months time whilst continuing to pay the same rental price. (The company makes it's money by selling the old machine refurbished.)
I used to do it when I was a teenager back when PC's were developing stupidly rapidly. (I.E. Unheard of running a game at max settings for 2 years.)

At the end of the term you are usually given an option to buy it out.

I still don't like either option, but when I was a teenager, I was only making 30 grand a year, so it helped to rent to get myself set-up.
These days if I don't have the cash I just don't buy it, but that's a very rare occurance.

Same here, I pay for everything with my credit card and pay it off in full every month. You should not be scared to use a credit card if you are responsible, you earn a good credit rating and rewards points if your card supports it. I have a few credit cards I have never spent a penny in fees. They can be dangerous to use if you aren't good with handling money so you just have to be smart about it.