my advise is you need to build your credit, many thing in life now revolve around your credit rating including insaurance, potential jobs, and when you want to purchase a house or car. I started out when I was your age with store CCs. recently I bought about $6000 at the Maytag store a fridge, washer, dryer water, softener and I got 24 months same as cash which ment as long as I didnt miss a payment and payed it off within the 24 month time I got charged no interest(I actually paid it off in 12 months) the interest savings was over $1000, I did this when I bought a bunch of furniture and a $2500 TV from Best Buy...also you want a higher limit because your credit rating is based on your total limit on all your cards versus what you owe and you could cancel a card you dont use any more and your issac score will go down