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So, the other night, I was thinking about ways to build credit. I have no credit (I'm a ghost!) and my mother and I have talked about doing something to build credit for me in the past, but we never went anywhere with it.
I turned my thoughts to gaming and immediately got an idea: use the games I purchase to build my credit!
Here's what I'm talking about: I do a lot of gaming (obviously) and like to buy games that I like, in which they are usually around $65. My thinking is getting a $500 credit card and use it (maybe once every two weeks) to buy a new game, and then pay it off, hopefully building my credit.
So here's where I ask for advice for what I want to get. I am not sure what I should be aiming for so my questions are:
Which line of credit should I go for?
What is an optimal interest rate for someone like me?*
Should I go automatic billing or pay it manually?
What billing cycle should I go for (if it gets to that) ?
So I hope you guys can help me in this point in life as I will try to "get on the credit map".
*: I work 20 hrs/wk at $8.00/hr.
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