It is generally offered to those who have sub-par credit (which I had due to my Chap. 7 bankruptcy in 2000). The offer I got was 0% for six months on both balance transfers and purchases. I am beyond that period now but another nice feature is 2% cash back on purchases. They even gave me the 2% back on a 0% balance transfer I did when I got the card! There is a limit of $400 per year which I’ve just hit. I make most of my purchases on this card in order to capture the reward but now that I won’t be getting it until January I need to look for another rewards card. More on this over the next few days…

I personally have 4 credit cards. My wife, up until today had an unknown number… Today I sat down and organized that part of our financial lives.

Read the rest of this entry »