Well, I'll just add one more thing and then back off,,recently I've read you actually need 2 credit cards, because if you happen to charge something from a company, and on that day and from that company someone elses card is compromised, they will pull all the cards used on that day at that company and cancel them, now as a rule they will immediatly re-issue another card, but you will not be notified, so you can have perfect credit and be on the road and cant get a tank of gas or a room because your card is no good and you dont have a clue...for me I think 1 credit and 1 debit will suffice.....another thing is the credit card companies are trying to push through either non use fee's (for people who have but dont use) or payoff (privilige) fees for those who use the card all month and then pay them off so the cc comp doesnt make any interest off them.(theres a word for it , but I cant think of it at the moment)..its all on MSN, I read alot about money/credit too...Rog