Just curious, I just put $700 on my best buy card when I bought a new computer, but despite that I have no debt. My credit is really limited and I'm trying to establish some credit so I don't have any troubles when I start looking at mortgages. Other than that I've had a cell phone bill for the past 2 months (parents paid it prior to that) And the cable bill was in my name for the past 2 years. The bank shut me down for a $1,500 loan the other day and I was kinda pissed, I can easily make payments and pay it off within the next 6 months, if not less. How long do you need to have a credit card before it improves your credit?