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 - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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