Credit card accounts

I just don’t believe

I just don’t believe having a credit card is going to “improve ones credit” to a large degree. I think what’s matters most is timely payemnts on large purchases and always being on time with lifes essentials… and a credit card is NOT one of life’s essentials. Even though advertising tries to convince us it is! It also helps one credit scaore to establish a permanent residence and have a saving account. If it was my daughter I would tell her to get Capital One out of her wallet. Last year there was a 100 year old man in the news. I remember a CNN host asking him for advice about a long life. He said he never had a credit card and didn’t want one. Maybe his life was less stressful than many who think they “need” credit cards! It makes perfect sense — for the credit card company!…