Which hurts your credit score worse: having a credit card with a low limit or not having one at all?

Not having one at all. If you have a low limit, then you at least HAVE credit, which is more than not having a card at all can say for you. If you want to build your credit score up, you will have to actually use that card so you can show that you make reliable payments.My advice?

Spend money on gas, or groceries, and pay the card the next day. This way you have a small balance, it's paid practically like you're using cash, and you're making payments to the card.BE CAREFUL. Resist the temptation to leave a balance on the card!

While your limit will certainly start to get raised, you run the risk of getting yourself into debt, a situation nobody wants to be in.

I agree with @teflashfire. However, having a balance does not necesarily help you. Having a credit card with a limit and not using it helps you.....companies look at your spending habits and rate you based on that.

If you have a 1000 limit and you are always at 500 then they will think that you are a shopaholic...and blamo...credit scores drop. Just be smart....it will help you.

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