Credit cards

i just went with the lowest rate card i could find. it's gonna vary depending on your credit and what kind of credit plan you get. but for your first card that's a pretty good way to go, especially considering if it's your first card you probably don't have a substantial source of income so you're not going to be able to pay off very much at a time, so it keeps the interest you'll be paying on whatever you charged down saving you money. and i definitely recommend only putting as much on the card as you can afford when your bill comes in, at least for a little while. it's a reliable way to build credit, plus gets you comfortable with the whole system. just don't go out and buy a bunch of furniture, a tv, xbox, etc, with your card, expecting to pay it all back later because you will get screwed on the interest rate. credit card companies are obligated to put how long it'll take to pay off your balance if you only pay the minimum payment somewhere on the bill and how much you'll be paying in interest, so whatever you go with, don't get fucked.