Many here have given you good advice. If you use the credit card, pay it off every month. Carrying a balance, even a small one, will do nothing to help your credit score. Get a credit card that offers a cash back feature. Discover is famous for that, but if you search around, you can find Visa and Mastercards that offer the same cash back feature, although none are as generous as Discover (at least that I've found). Merchants pay a fee for credit card transactions, and Discover's fee is higher than Visa or Mastercard, so Discover is not accepted in as many places. American Express's fees are also very high for merchants. Stay away from them, they offer no cash back feature. At our house, we charge everything we can to Discover, including the utility bills, gasoline, groceries, etc. and pay it off completely every month by letting Discover transfer the full balance directly from my bank account. I usually get back over $1000 a year just for using the card and don't have to worry about mailing in the payments on time. It's a good deal if you have the discipline to do it.
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Today's Featured Article - What Oil Should I Use? - by Francis Robinson. I keep seein this question pop up over and over again in discussion groups all over the web. As with many things there are often several right answers and a few wrong ones. Some purist I'm sure will disagree to no end with what I will tell you but most of us out here in the real world don't really care do we ? Some of them only bring their noses down out of the air long enough to look down them anyway. If you are like me you are only doing this old tractor stuff because you enjoy it. You
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