[ScottieK]

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I am 20, should I get a credit card so I can just charge some stuff to work on my credit rating?

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Establishing a good credit history will improve your credit score, which will help you in future purchases (car, apartment, home, etc.) If this is your first credit card, I suggest getting one with a low APR and limit, and charging something minimal but regular on it (like gas purchases.) Pay it off in full every month. It's also good to have in case of emergency.

EDIT: I forgot to add....paying all your bills on time also improves your credit score. If you aren't doing this already, then adding on a credit card may not be a good idea.

ScottieK