Tuesday, January 10, 2017

Should I use my credit card?


I received my credit card almost a year ago, but have never used it. Instead I have been using my debit card for all purchases. My question is, should I use my credit card in lieu of my debit card, then pay it off with the money from my checking account? (I don't have any income, I just buy things occasionally and save money from events/gifts)

Ex: Let's say I am going to buy something for $200 with my debit card. I already have the $200 and am going to spend it regardless. Should I pay with credit, then use that $200 to pay my balance off?

I am unsure if this is how building credit or using a credit card works.

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