Credit Card = Debit
Debit = High Interest Rates
High Interest Rates = Bend Over
Bend Over = Grab Your Ankles
Grab Your Ankles = Take it Hard
Take It Hard = Credit Card
That's the vicious cycle of Credit Cards.
May I offer some advice. If building your Credit is your only interest in this credit card, then do the following:
Take " X " amount of Dollars and put it aside. Say, "$500" Open up a bank account just for that card. Put the "$500" in that account.
Sign-up online with the Credit Card company to pay your bill online.
Use that new Bank Account.
Go to the Store, buy yourself a couple hundred dollars worth of stuff you need with that credit card. Wait a couple of days until you can see the balance on your C/C account. Schedule the payment ASAP. PAID!
Buy more stuff, Pay it in a few days right away. PAID.
Now keep that C/C in your wallet and DO NOT USE IT, for anything more then the amount of money you actually have in that bank account. Keep refreshing that bank account... Then reuse the C/C... Continue this cycle for like "6 months".
You'll get a notice saying your Limit has increased. They are trying to get you to "Take It Hard." Don't bend over!
Continue following these instructions... Your Credit History will start to show that you have a nice track record of paying on time and paying in full and your credit line is extensive. "DO NOT GET TOO MANY Credit Cards." This is BAD. 1 or 2 Tops...
I wish I knew this info about 10 years ago... It would have saved me a TON of Credit issues and THOUSANDS of dollars...