- Think of your cards as a tool. If you use them often but pay them off each month, you stand to earn perks as well as accruing a positive credit history. Though this may not seem like a big deal now, it will come in handy when you want to finance graduate school, buy a car, buy a house, etc. A negative credit history, on the other hand, can actually prevent you from making future purchases.
--Elizabeth A. Gudrais