I'm a college student & want to no any of your advice on building credit... Someone told me to get a credit card (what brand?!) and purchase small amounts on it a month & pay it off... (I am capable of doing thing... probably spend $20 a month on stuff) Also to get a loan for $$$ - let's say, have $500 in an account, get a $500 loan & go from there... Any thing I need to watch out for? Anything I should be aware of? Anymore advice?