Using credit is the only way to build up credit history

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A credit history will tell the bankers how responsible you are in paying back the money owed.

If you borrow a dollar at the beginning of every month, and pay it back at the end of the month, the bankers will allow you to borrow $10 later on.

That is the purpose of using credit card to build up credit history.

Just make sure that you charge a small amount every month, and then pay it in full when it is due.

Next time when you need to borrow money to buy a house, the bankers will trust you enough to lend you the money.

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