As the title asks, do you have a credit card? If so what do you use it to pay for? Would you say you have a high or low limit? Do you think you are a responsible credit user? I personally have the Discover Credit Card they gave me a $1,500 limit with good payment history in about eight months, the cashback rewards are pretty great. I use it to cover my day to day expenses and then pay back as much in full as possible at the end of the month. As a perk I can use the cashback to pay off part of my monthly statement, it's practically free money.