i havent read any other replies, but when i was about 14, my grandma told me to never own a credit card. i never did. i dont know what my credit score is, and i dont care. i pay for everything with cash. i owe nobody nothin.....its better that way. things go better with cash. too many people get caught up with crap they see on tv, or trying to compete with their neighbors.....then they get in debt up to their eyeballs. that aint for me.....to hell with all that.