how do credit cards work?

[t-maxxracer32]

hey guys im 18 and have zero credit and i think its time to get that show on the road... im thinking of the easiest way of doing it and a credit card seems to be the way. maybe?

how exactly do they work?

im thinking of getting an unsecured one if that makes any difference?

really looking for low apr and no annual fee.

here are some questions i have.........

lets say i go out and buy something for a couple hundred dollars. my minimum payment is 50 bucks a month. if i only pay 50 and my apr is 10% does that mean that the bank gets 5 dollars? so really im only paying 45?

how do people get in credit card debt?

if i go to the store and buy something for 20 dollars and then pay it right away when my monthly bill comes will it charge me anything for it?

basically what i plan on doing is buying things with it then paying them off by the end of the month.

will this build credit? ^^

there is this card through B of A and it allows you to get a check advance with no interest for the first year. http://www3.bankofamerica.com/credit...&router_flag=y

how would that be for a first time card?

id use the check advance to pay off my parents and help them out a bit.

sorry for all the questions... i just like to be informed.