Top 3 # 12

Since Christmas is just a few days away...

Top 3 Credit Cards

3. Home Depot Card--I use this one a couple times a year to make a larger purchase at the big orange box. Interest rates are HIGH, but you get 6 months no interest on any purchase over $299 and they sometimes offer 12 months and 10% off coupons, I just used one to buy a front load washer, because I bought it on the card I got the 10% off, free delivery, and I can pay for it over 6 months interest free.

2. American Express Blue/skymiles/hhonors--The blue card gives you cash back bonuses and the skymiles and hhonors card can get you that dream vacation, but both will cost you in the long run if you use them any other way than to PAY OFF EVERY MONTH IN FULL! Also AMEX is big on annual fees...don't go there.

1. Gas company cards--shell,bp, exxon, all have cards that give a decent rebate of 1-5% on gas purchases, again great tool as long as you pay it off in full EVERY time.

I HATE the credit card industry, I think it's right up there with pornography in its detrimental effect on people and relationships. I do realize that people use them though and it you're gonna use them, the right way is to pay in full and get something in return that's why the points, rebates, and extended interest free periods on the cards mentioned make them the best choices...but still only if you pay them off in full every month, like I've said before, if you don't have the money to pay cash you shouldn't buy it!