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If you go the credit card route, once you get one card you'll start getting offers out the waazoo for more cards. DO NOT GET THEM!
Too many open accounts has a negative impact on your score. Let's say you have 5 cards with a $2k limit on each and never use them. The credit agencies look at it like you have the ability to be $10,000 in debt at any given time and might be a higher risk than someone with just one card with $500 limit. (that was told to me by my mortgage lender).
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"The truth is merely an excuse for lack of imagination." - Garak
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