<prompt> Human: This year he made 100k. That amount will increase in the near future. the problem is after years of struggling and working his way up without a college degree, he has damaged his credit and at best has been offered a credit card in which he puts in HIS OWN money, and must then pay 22 interest to use it. He is convinced this is his best route to improving his credit. Im convinced there must be better options. Help?? Edit: you guys at rpersonalfinance are SUPER helpful, and you are right I DIDNT know what I was talking about. But after your advice I sure feel like I do now. Thank you, I humbly thank you.. uaBoglehead ulilfunky1 uack154 u34786t234890 uRhetoricalTestQstNs ucwood74 uguynamedDan usplat313  <response>: If your cousin uses his credit card properly, i.e. he pays off his bills in full every month, his effective interest rate will be 0. 