Amantim

I have been so terrible with credit because I simply do not have the income, that I do not mess with any credit cards. I know right now that I cannot pay them back. Therefore, I do not dive in. :-) When I land the job that I am aspiring, I will have the money to start over. I think a lot of us think that credit is "extra money". It's not. It's YOUR money and then some that YOU have to pay back. The best way to go is without credit cards. If you don't have the cash to pay for it, don't get it. I'm referring to credit cards. It's obvious most people need credit to purchase a house or sometimes a car, but throw the credit cards AWAY!