How to build credit

[sublime]

i have seen a small amount of research put into this 'app-o-rama' thing and it seems to not hurt your credit in the medium to long term. if you plan on buying a house soon, you should probably not do it as even a few credit points can be expensive.

the 'self respect' argument is beyond retarded.

the only way i can see this being -EV is if you have a habit of missing CC payments. even then that is solved by just setting up automatic payments thru your banks bill pay, which also massively cuts down on your time invested.