[ThinkDifferent]

I have never had a credit card in my name, they were always in my ex's name, with me as a secondary name. I get offers every week. They get tossed in the trash.

There's nothing wrong with credit cards per se, just pay them off every month. Get the right ones and you can get cash back or other bonuses. I get 1% back on everything, and 5% on gas which is especially useful these days.

[TheSpottedOwl]

My mom paid the credit cards off every month. I've been told that doing that will give you a less that perfect credit rating?!

I've heard about getting a percent of your purchases back on some cards, but haven't paid attention to it. I know I'm not organized enough to keep one step ahead of the end of the introductory interest rates.