conversation: User (zmacker34): "I am fairly young, and am exploring my options for a new credit card. My credit history is not long (bot solid), as I've only had a credit card through my bank for the past year and a half. My issue now is that my credit limit simply is not high enough and I want to move over to a major brand credit card that I can earn better rewards through. I have looked at Chase Sapphire and American Express cards, but I don't know if I'll qualify since I've only had a limited credit history. Looking to this community to help me think through my options, thanks!"
  Self: "I have a Capital One Venture card and it's pretty decent.  They have an annual fee version and one that has no annual fee.\n\nBefore you consider getting a card I should ask you something, and I ask only because A LOT of people don't understand this.  \n\nDo you pay off the statement balance every month?  If you don't then a rewards card will not pay out like it could.  If you carry a balance and pay interest on it then your rewards get washed out by the interest payments.  Be very careful about why you want the card and what the perceived benefits are."
  User (zmacker34): "Always pay off the statement every month, never carry interest. "
  