Congrats!! I hate credit cards! When I was in college (15 years ago) I actually stopped using cash and paid for everything with credit. I got my first one (for emergencies only....
) and yeah, I was approved for every card I applied for...and I used them! I actually moved out of the country and they dropped off (didn't realize it), and I lived without credit for 10 years.
Now, once you get everything paid off, take my advice and still use one and keep a running balance on it. I didn't use anything for 10 years and thought I was being responsible by not getting myself into debt. After I inherited my parents 2 houses and 2 cars and was paying the bills on them (and I did pay off any debts I could find when I was able to when I had the money), I tried to apply for a home equity loan to pay for my wedding (since I owned 2 houses I thought I could get it). Every loan I applied for came back denied. I thought it was because I had a terrible credit rating because of the bills I didn't pay.
No. It was because I had a credit rating of ZERO. Finally someone explained it to me. He said I had NO credit history (based on the last 7 years). Here, I thought I was being smart, not getting myself in debt and it actually hurt me. I had no house payment, no car payment, no credit card bills in my name for the last 7 years so I was a risk.
So, after you get yourself caught up, make sure you have some kind of outstanding balance, either car payments, bank loan, small credit card bill, anything to give you some kind of credit rating.