I got a thing (1 of 100000 that I get a day lol) that has 0.0% apr for 12 months. This actually caught my eye because I have been wanting to get a credit card and put my gas on it and just pay it off every month. this seems like its the easiest way to get a good credi record. it says after a year it goes up to 16% apr, is this what I pay extra for every purchase? Or is that what I pay for a left over balance? if its every purchase then I'll just stick with no credit record for a while.
Also, how can I get a good credit record? Should I always pay every cent off or should I leave like $20 on it to keep an "open" balance?
and, how else can I get a good record so that when I get out of college and can get a loan?