I just turned 18 and I am trying to get my own place but they said I need to have good credit. To have good credit, they said I have to build good credit, but the only way to build good credit is to have good credit. Why is that? I was looking at credit cards and purchases become way more expensive when you buy them a credit card. So why use one? But to build credit you need to use one. Am I mistaken? Could someone explain how a credit card works please?

I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I’ve been very responsible about paying bills on time.

I am just wondering what are some websites to actual payday loan places not third party searchers for lenders. Preferably some reasonably easy ones. I am trying to help a friend of mine get some money because he wants to get his life on track and get a job but his car is broken down and there isnt any business in walking distance or any public transportation because he lives in such a small town. Or if anyone knows an organization who can help someone in that situation. Thanks!