I'm not really going to mess around with credit cards to be honest. As of right now I don't see any use for them but besides to build up credit. I'm going to stay away from them and use my own money out of a debt card. I have a debt card right now and i seem to have no problems and i always pay out of my own wallet. I have my own money and rather use it then to get it loaned to me and just letting the rates get higher with in time to a point where i pay more then i got.