Stay away from credit cards. I have done so many ch. 7 bankruptcies in my legal practice, i want to throw up. I did one last week, over $260,000 in consumer debt. $12,000 alone to the disney store. unfuckingbelieveable.
If your credit is decent, you will get bombarded with credit cards offers. STAY AWAY FROM THEM!!!!!!!!!!!!! Get one or two, for emergency purposes only. ALWAYS pay off your credit cards EVERY MONTH!!!!!!!
If you cant pay cash for something, you cant afford it. Resist the temptation.
If you live by this philosophy, you will be fine.
