I've read up on credit cards quite a bit, including those that owe $50,000 on 5 credit cards and only make $13,000 a year. I know all about the teaser rates, annual fees, and other good stuff found in the fine print in the paperwork that I don't think most people take the time to fully read. Only thing I didn't know was that not carrying a balance at the end of the month still helps build a credit rating. $500 seemed reasonable to me, since $500 is about the price of a major appliance (provided its not a top of the line stainless steel such and such).
I view credit cards as spending your tomorrow's money for today's suff. However, the credit card can be, and is, a very important financial tool. just like a tractor is a useful tool that can be abused as well. Someday I'll probably need something I cannot very well just save up for, and I'll need that good credit score to qualify for lower rates and have an easier time getting a loan.
I have an entrepreneur spirit and chances are I might need some sort of business loan someday, or need to finance a house of my own.
Sorry for taking so long to respond. I am actually at work right now and the stapler function is broken on the copier. A teacher needed a bunch of stuff stapled together by hand.
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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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