Ok so I have no credit and I am looking to get a credit card to help build credit. My main purchase is going to be the new D90, and pay that off. I really only want to pay that off and then only use it to pay for stuff I can pay off as soon as I buy it. I know that my ideal limit is $1600, because the camera is 1400 haha and I need a bit extra for the battery grip. Now I have some money towards it which would pay off a little chunk. I just don't know what card would approve me.... So mainly I don't understand CCs. If I apply and am accepted I can turn it down right? Just to see what my limit would be... I know Credit Cards are the devil, but i just want to prepare for when I really need that credit rating in the future... Some help would be greatly appreciated. Thanks!