First, a credit card is for conveience, not to borrow money. That's what banks are for and you should always be able to work something out with them. And if yo own a home, use an equity line - just be resonsible, because if you don't pay that bill, you lose your home!!
Credit cards: VISA and MC are accepted in far more places than Discover or AMEX. Plus, if you aren't interested in points for something, there is nor charge.
I personally like the Marriott points as there is rarely a blackout like most airlines and I've almost always been able to use those points. It costs $30/year but I get much more value than $30 for all I do traveling, etc. At this point, three nights in a NY Marriot hotel get's me enough points for three free nights at most Courtyards.
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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