[Griff]

Are you guys (Dave/Terry) talking about recovering from a bad credit rating or establishing good credit initially? It seems like those are two different issues. Either way, I don't buy paying for money I don't need. You risk being a tool of the credit card company rather than using their card as a tool. Folks need to look at their own financial circumstance and act accordingly. CC companies rely on people screwing up, if you're living on the edge of financial disaster and are carrying balances so you can get a reasonable loan rate you are getting screwed and need to change banks or maybe join a credit union.