As someone who grew up in Europe and lives in the US now, the whole "credit" thing is still weird to me anyway. In Germany at least, credit cards are mostly only a thing because they are convenient to pay with online, and then often behave like debit cards (paying directly from your bank account) anyway.
Everyday shopping happens with debit cards, bills are paid by wiring money.
When I came here, I "built credit" by paying everything by credit card and making sure to pay off the entire bill immediately to not incur any interest penalty, but when I read stuff like "always pay off the credit card with the highest APR first", my head's still spinning.
Everyday shopping happens with debit cards, bills are paid by wiring money.
When I came here, I "built credit" by paying everything by credit card and making sure to pay off the entire bill immediately to not incur any interest penalty, but when I read stuff like "always pay off the credit card with the highest APR first", my head's still spinning.