I have capital one, no rewards.
I have been listening to the Dave Ramsey, Total Money Makeover,
Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan.
he advises that one does not need to set up credit, it is a credit card gimmick
to get people to run up their credit cards. He talks about being debt free is the closest thing to being a millionaire. I recently found his book at 1/2 off books, I've been reading a little. Does anyone here listen to him? Have you followed his program? Anyone debt free with his program?
