conversation: User (AutoModerator): "\n### New members, please read through the [New User Orientation.](http://www.reddit.com/r/personalfinance/wiki/newuser)\n\nThis is a continuation of Moronic Monday. Anybody can post a PersonalFinance-related question in a Moronic Monday thread and not get made fun or downvoted of for it. It provides a safe spot for asking questions you fear may come off as "moronic."\n\n*Make a top-level comment if you want to ask a question in a safe space! Don't downvote "moronic" questions!* If you have not received your answer within 24 hours, you can feel free to [start a discussion](http://www.reddit.com/r/personalfinance/submit?selftext=true).\n\n**A big thank you to the many PFers who take time to answer other people's questions!**\n\nFor past Moronic Monday threads, please search the [Weekly Archive](https://www.reddit.com/r/personalfinance/search?q=Triumphant+Thursday+author%3AAutoModerator&amp;sort=new&amp;restrict_sr=on&amp;t=year#res-hide-options).\n"
  Self: "I have finally received my first credit card as an adult and I'm scared to use it. I had 3 store cc's when I was 19 and maxed them all out. Thankfully, my mother caught wind of it and hijacked my income and paid them off for me. I'm 29 now and haven't used a credit card since. I've paid cash for everything since then. My mother took the loan out for my car that I've paid off. Additionally, my identity was stolen in 2007 3 times! I found this out when Chase drained my last $300 to "pay off an existing account." I inquired further about this and found that there were 3 other bank accounts opened with my name but not my contact info. Anyway, I finally got the courage to apply for a credit card and got it. But I'm scared to use it and don't know what to use it for so I can continue building my credit. Any suggestions?"
  katarh (katarh): "I have my cell phone bill go directly to my credit card.  This causes a recurring charge that is already built into my budget to appear, so that my card is regularly exercised, but it's not such a huge amount that I'm intimidated by it.  Then I just pay off the card every month."
  zonination (zonination): "That's what I do with my Netflix account on a card that I want to remain active, but don't want to use.\n\nI call it "Netflix and bill"."
  