You're right, you're no expert. You are giving extremely bad advice here. If you charge things to your credit card and wait until the statement is generated, th

You're right, you're no expert. You are giving extremely bad advice here. If you charge things to your credit card and wait until the statement is generated, then pay in full during the grace period, it will show on your credit report (and thus result in an improvement in your credit score) and will not result in finance charges being imposed (which is always a sign of financial irresponsibility).