American Express

I say Mastercard or Visa with a reward program is better. Pay your balance each month and get free stuff just for paying your daily living expenses with the card.

agreed:):gpost:
 
All I have is a debit card and that's all I need. Why take my chances on ruining my credit with a credit card? My theory is you should SAVE up for those big purchases. Also if you don't have the money for it at that time, you probably don't need it.

I get credit card offers in the mail all the time, but I always turn them down because in the fine print the rate usually jumps from 10% to around 20% or more after six months.

You and I are in the same boat--------cash for everything
Only time I use my MLB Visa is for emergancy---then pay it in full
My credit is top rated but you cares, certainly not the card companies as they want people to spend, spend and spend some more---even if the folks can't afford and/or need the item.
 
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