lilly S

i'm a first time credit card holder.. I have received a papital one cc, and a Target.. They both do not have much credit limit so i'll be more than able to manage them.. I'm a little confused about things.. answer the one's you can please.. I didn't get an info packet from either...

1. How long untill your credit limit goes up
2.How long untill your A.P.R's go down
3. Should i pay the balance off when the bill comes? Or whenever i have the money?( would paying it off before the bill still establish my credit history?)
4. is the a.p.r only charged if i have a balance at the end of the month?
5. how do i know when i will be billed.. as when it's due? Is it 25 days from the time of purchase... or they just pick a date?


THANKS EVERYONE!!!
best=10pts