Credit Cards - Intrest, Fees, and Bullshit

[WRXtranceformed]

If you get a credit check at any one point in time, you're probably not going to have a $0 balance on the card unless you just paid the bill. I don't think it necessarily means you have to carry a balance and pay interest on it month to month in order to build credit. I was under the impression that if you used a credit card and paid it in time, or carried a balance that wasn't too close to the limit that it helped your credit.