Yes once you start paying with your credit card that's not the discussion here. The discussion is how to even get a credit card to begin with. Being non-americ

Yes once you start paying with your credit card that's not the discussion here. The discussion is how to even get a credit card to begin with. Being non-american I went trough this and have a pretty good idea on how it works and some of the myths. I guess some of the confusion is around the before/after a card.