BBoy you are exactly right.

I learned the hard way in college in the early 90's.

Got some CC's and took them to the max in less than two weeks.

Mom paid them and told me the secret of building and establishing credit.

Before you charge anything make sure you have the money to pay it off before you charge it.

When you charge it....don't hesitate to pay it off on the first billing if you have it. Then when you pay something off just cancel the account and cut the card up.

Then apply for another card. Try for something better than the one you had. If you had regular go for a gold. If you had gold go for platinum. If you had platinum try for a higher plat card or a higher limit.

But this does work.....good advice Bboy