Here's how I got my first credit card: It was my freshman year of college, and I was sleeping after a night of drinking. I wake up around 9:30 the next morning to my dorm phone ringing, and it was a credit card company. I laid back down, and once I did, I didn't want to get back up, so I kept the phone at my ear, and next thing you know I have a credit card. It only had a $250 limit, and I ended up cancelling it after I got in trouble with it. I have one card with a $500 limit through Chase now, but I've never used it, and I'm thinking about cancelling it.

A Target Bank card, $0 balance. The interest rate was horrible. I’ll keep it open as a line of credit, but probably never use it again. The CL is $3800. They cut the CL from $6000 to $3800 about 8 months ago for no reason so I don’t want to deal with them.

A Capitol One card. $150 Balance. CL $2000. Interest @ 17.99% High but not really an issue because I PIF every month anyway, if/when I use it. I use this card for things like hotels/airfare because I’m not really okay with putting hotels/airfare on my checking account/debit card. It is a rewards card but I don’t use it enough to get the rewards.

A Best Buy store card. Current balance $75. Will be PIF next week. I’m not 100% sure of the rate offhand. Not really an issue because I never use it. The charge that’s there is because I forgot my debit card at home and for some reason, had my BB card on me when I needed the geek squad. Heh.. CL is $1800.

A Care Credit card. This is probably the worst of the lot. I will never use this card again. CL is something like $8500. Interest is insane. Keeping open to help with utilization on my report only.

I’m pretty sure I have other open cards out there but I don’t keep copies of them anymore and they have not had balances in years. Like store cards, Meineke cards etc.

Aside from hotels/airfare, I can’t remember the last time I used a cc for anything.