[lukkyb22]

I am sure everyone knows this, but if you are carrying a balance on a credit card, you need to have 2 cards. one is paid off every month and you accrue no finance charges. the other is not used, but you will be paying interest plus whatever else you pay down. if you have a balance, anythign you charge immediately begins getting slapped with interest, whereas if you don't have a balance you are free and clear--until the bill comes!