This is the comment I left after her post (where she asked readers how many cards they have). I'm re-posting it here in hopes that some of you can weigh in on the subject. Thanks in advance!
I have zero credit cards. I use my debit card for everything...and so far, I've liked that. I have GOOD credit (from car payments, rent, cell phone, student loans, etc) - as far as I know anyway - but not very MUCH credit.So yes. Do you have a card that you love? Do you have any recommendations? I don't need advice about budgeting or living within my means or any of that - I know how to do that. I just want to establish some credit for myself in a responsible way, and earn some rewards on the side!
I have recently been thinking that I should get a credit card to use for things like bills - where I know I will pay it off each month. I don't worry about making extravagant purchases I can't afford; I worry that I'll use my credit card for basic purchases and "forget" that that money is no longer really available to use in my bank account, and then think I have more money than I really do...does that make sense? I guess I'd just have to be more careful about keeping track and knowing that the balance in my checking account isn't truly accurate.
Does anyone recommend a particular credit card for a beginner? :-) I have Wells Fargo, and I want a card with some sort of rewards but no annual fee. Interest isn't a huge issue because I plan on paying it off each month.