100% agree. Don't spend beyond your means. My main credit card pays all my bills, groceries and gas during a month. It's how I got an excellent credit score.

I have a second credit card that I make big purchases like electronics and furniture and I can usually pay that off quick.

The people that run into problems are the ones that spend beyond their means and would have issues even if you gave them a million bucks.

A lot of people are just not financially responsible.

I would advise people that are trying to build credit to get a credit card and use it only for gas and food. That's it. No big purchases or anything crazy. And make sure you pay it off ASAP. In a few years time, your credit will rise significantly.