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 - 50 Tips for Ford N Owners - by Bruce Haynes. Over the years of owning these three tractors, I have managed to refresh what little mechanical knowledge I had and add a little more, thanks to the wisdom and helpfulness of many fellow N owners. So, now it's my turn to share a few of the tips I've picked up.
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