This is the way many think, and I did too until 11yrs ago. My Dad did exactly as you stated...used charge card and paid balance off each month, always paid bills ahead of due date, and had "History" of timely payments. When he went to get a loan to pay for the trlr....I was waiting for the cash settlement on Workers Comp....we found out it was quite the opposite and he had No "Credit History". The only way he got the loan was thru his personal bank, at an increased interest rate. Unless ya play "Their Game" and pay some finance charges, there simply is no credit history that is maintained, because when ya pay the balance off each month, it is considered by the "Creditors" as the same as Cash, because there are never any "Carrying Charges" that are documented. They don't give ya "Credit History" unless ya "Pay" for it. Remember, they are a "For Profit" business, and if ya ain't giving them "Profit", then they certainly aren't going to give ya the benefit for Free. It is a much Different world we are living in, than what most truly think it is....
