[mom-from-missouri]

I have a Sears, with a 0 balance. I use it once a year, and usually go to the local store and pay it off before the bill even comes. I got it to build up credit in my name after my divorce. But, my attorney said if I don't use it at least once a year, it wont build the credit up.
Last week I got a Visa thru MyPoints. I used it once, to get my 1000 bonus points. I will pay it off as soon as I get the bill. I think I charged $19 on it.
I just took my house off the market 2 weeks ago. It just wasnt selling, so this fall, I am going to do some remodeling. We are also getting a Lowe's next month. So, I will get a Lowe's card. I have already been told they will offer a big promotion for people who take their card when the store opens. I will put the supplies on that card, and then pay it off, but will probably pay it off over 3 months.