Here's an idea I haven't heard anyone mention: Set up a passbook savings account, and then get a debit card that's good for both your checking and savings accounts. THEN get your credit card.
Once you have your credit card, make a small purchase or two. But every time you amke a purchase, use your debit card to transfer that exact amount from checking to savings. Then, when the credit card comes in, transfer the money back from savings to checking and pay the bill IN FULL, and EARLY.
You won't lost much interest, because passbook savings isn't paying much right now. And you'll always have the money on hand to pay off the credit card at any time. An even better idea is to set up TWO savings accounts, and deposit the credit card purchase amount into BOTH. That way, you not only have the money to pay off the credit card in the first account, but you're building a reserve fund in the second. Can't afford a big reserve fund? Then don't charge so much on the credit card.
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Today's Featured Article - Women and Tractors - More Views From the Farmer's Wife - by Teri Burkholder. The top ten reasons why the judges wouldn't let you participate in the stock antique tractor pull: Hey, this is stock! It came with that V8 in it! That "R" on my tires stands for "really old" not radial! Blue gas? We thought it was a pretty color! What wire hooked to my throttle?
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