CREDIT CARDS

[kenneth delves]

Thanks for the info, it adds up to keeping the balance low and dump the high interest card[which I will do this week], maybe I'll get a debit card for smaller purchases

[qiphlow]

you may be able to negotiate a lower rate with your current card company--you can always lie and say that company X is offering you Z% fixed rate. if they won't deal, then pay the balance and just charge a small amount on the thing every few months and pay it off right away. you'll avoid the interest and keep the account active.
debit cards are good because you don't have to carry a bunch of cash around with you.

[Chris Fleming]

I have a credit card from Citibank and you gotta watch those people--Citi tried to take every chance they can to make you pay some kind of fee. They are sneaky about it. If it wasn't for the good cash back card I have I wouldn't use it. But then again, I'm a deadbeat.