So I'm 22 year old from Australia, and have been lucky enough to not have to borrow any money yet, however would like to look at buying property in the future. I currently have a casual job in the tourist industry so work fluctuates from 3-7 days a week depending on the time of year. I am trying to figure out the cheapest way to start building a credit rating be it credit card or possibly a personal loan. I don't really need the money for anything so I'm leaning towards a credit card, however I'm a bit concerned about any costs for just having the card, as I plan on paying back everything on time.
If I pay everything in full on time are there any other costs other than an annual fee?
Are there minimum amounts I would have to spend on the card on a monthly/yearly bases?
Submitted November 18, 2018 at 06:46AM by Godotaafc https://ift.tt/2BeVCH6
