im a full time student. my parents give me some money every now and then. i only plan on spending $5 on a credit card like once a month just to rebuild it. would it be really bad to get one without having a job?

I actually do this too?

I don't have a job but I have a credit card. I used to just spend small amounts that I knew I could pay back just to build my credit, and now I use it for things that my parents normally pay for but I have to get on my own, like prescriptions. So my mom pays the bill, lol.

But. I think it's a good idea to have it and do exactly what you said. As long as you make sure you can keep up with the payments, it's good to build your credit because it will help you out so so much in the future.

if anyone will actually give you one without an extreme rate, i guess it would be fine.

A lot of credit card companies will cut deals for students. My first one had zero interest but it sucked because they charged me $9 every time I payed my bill online and **** if I'm writing out a goddamn check to you every month

This isn't fair. In Romania you can't get a credit card if you don't have a job. I want one so bad for online shopping, but can't get it.