how do credit cards work?

[lincpimp]

Originally Posted by t-maxxracer32

bad credit is better than no credit? that doesnt make sence.

your basically saying being negative is better than neutral.

unless your saying little credit is better than none?

Yep, any credit is better than none...

I have no credit, while my wife has decent credit.

If you have no credit, lenders have no idea what you will do. Even mediocre credit shows some sort of history, and they will raise the interest rates for people with less than ideal credit.