I'm new to using credit. I need some clarification on a few things. 1) Most importantly, is there a minimum one needs to spend every month in order to use credit? If there is, I'm sure it most likely varies from person to person. I want to avoid using credit as much as possible. 2) Do I need a history of credit use to be approved to take advantage of Credit? I have never used credit before. I have read through the terms at least twice, and these questions remain unanswered. Thanks in advance for any help you can offer! If you have any other information that might be of use regarding "Promotional" stuff, I would appreciate that too. I'm so lost in all of this. I want to have a solid understanding of all this before I apply.
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