@MountainCacher88 wrote:
I don't have a single card. I'm 28 -- credit isn't the best or the worst. I think it was around 704 last time I checked it for free. I have just 2 lines of credit out right now though; Ally & Great Lakes. I've read a few posters talking about using them for shopping and then others talking about the points racking up from major purchases. I'm pretty frugal so I doubt I would ever use it for anything other than shops.
Which cards do ya dig?
*Edit: I like cash, Amazon or Walmart gift cards, air miles, and hotel stays with minimal restrictions...
With that kind of a credit score, you should be able to qualify for a no annual fee card with a decent limit easily. There are some shops you cannot do without a credit card, so I would recommend at least one. (And there are also some shops where you have to pay cash.) If you do dedicate one card just to MSing, make sure to have activity on it every month; banks have been known to cancel cards not used or used too lightly.