[Ima saver]

I agree with you Keen, but I have never had a credit card problem in my life. Even when i carried a balance (which was stupid) I had the money to pay it off. But I always get the 0% credit card transfer cards, so I never paid interest.

My husband charges all of his building materials to his card for himself and his customers. Right now I will get back over $450 back this summer. By this august, that could well be over $800 that I will get in my pocket. I think that is a good piece of change!!
But I can understand your point.

I think it helps your credit score to have some credit cards open. I do not have a debit card because that might cause a problem for me. I don't keep extra money in my checking.