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Getting a credit card but paying it off each month?

I'm a student and I use my debit card for all purchases. If I were to apply for a credit card (likely PNC points credit card) but entirely pay off the bill every month would that help to build credit? I don't spend much money so I know I would have the money to pay it off. Also, would I be able to pay this off using my debit card? Are there any downsides to this?

Asked By: Liam - 3/6/2012
Best Answer - Chosen by Asker
You don't mention how old you are, but if you are under 21 & have no job, you're likely going to be denied the card... More
Answered By: BungalowMo - 3/6/2012
Additional Answers (2)
Yes and I have been doing just that for 30 yrs. You do realize Federal Law is you must be 21 to apply otherwise a parent must cosign. No you set it up to make payments directly from your bank account and handle it online
Answered By: Ariaread - 3/6/2012
 
Once you can qualify for a credit card, this is the best, and ONLY way to do it... More
Answered By: Kristi - 3/6/2012
 
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