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 - Product Review: Black Tire Paint - by Staff. I have been fortunate in that two of my tractors have had rear tires that were in great shape when I bought the tractor. My model "H" even had the old style fronts with plenty of tread. My "L" fronts were mismatched Sears Guardsman snow tires, which I promptly tossed. Well, although these tires were in good shape as far as tread was concerned, they looked real sad. All were flat, but new tubes fixed that. In addition to years and years of scuffing and fading, they had paint splattered on
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