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Credit cards?*

Ok, here's my story... I have avoided credit cards for a long time. I have heard horror stories about them. I got a store card at Macy's while I was in my first year of college. I did not have a consistant job then, (work study) and at its highest, had a credit of 100$. After having to have my dad co-sign to get my car, I realized I may need a credit card. But I don't know alot about them so I have some questions. 1. With the blemish at Macy's, will I be able to be approved for a card? 2. Is there a card or type of card other than a credit card, that you can buy something and have set monthly payments, or do you have to pay the whole total for all types of cards. 3. What detirmines your credit limit? Can you set if for a low one? 4. Where can I do it online? Please be respectful, thanks.

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