There is one small problem with you using your check card Shakes, it draws directly out of your bank account. While it does keep you from going into debt, if someone gets a hold of your number and charges to it, you will be in worse shape than using a standard credit card. Your checks or other charges to your account could bounce then you would have to pay for bounced check fees and so on. I am not disagreeing with you about having a check card, it is just that it is too risky to use over the Internet. I have one and I use it for local purchases only and not online or out of state purchases. This way if something does happen I can drive over to the store that is having the problem with my purchase if it ever bounces back to me. I have a credit card and I do pay it off every month, but as long as you do that religiously you will not go into debt. If a person cannot keep track of their purchases very well then I probably would say do not get a credit card. It is always nice to have a backup plan just in case if something goes wrong either with your car or house and you do not have the funds in the bank to pay for it. If you do decide to get a credit card Sarge, make sure to get the lowest APR available. Most of the offers that get sent to you in the mail usually offer 0.0% interest, but for a limited time then they jack it up to almost 20% sometimes. I would personally get either a visa or mastercard from a big corporation like Citibank. 99% of stores usually accept either of these two cards. I know Citibank has a 30 day grace period in which they do not charge you interest for your purchases. They were charging we 20% interest at one time so I called them up and asked that it be lowered since I have been a good boy with their company and they lowered it to 7% interest. It really did not matter to me anyways because I always paid it off at the end of each month, but it was good to know that I had such a low interest rate. I am not sure how old you are, but keep in mind that having a credit card is a great responsibility. If you decide to go wild with it, make a lot of charges to it, and not pay it off every month, you can get into some serious debt problems. If you ever decide to buy something BIG one day (a house) and your credit score is not very high, then you may not even be able to purchase it. Anyways.....I have to get back to work, Just remember that this is my .02 and you have to decide on what to do. I can only suggest.

Dang it I was 2 slow
2slow2matter