Need to apply for New Card, ASAP.. HELP!

[laz98]

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@KimberH wrote:
Care Credit will not report to CRAs until it is used (I acquired it in August and have not used it yet - it is not reporting)......

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mine began reporting right away, before i even got the card.

[Anonymous]

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@Anonymous wrote:

Thanks John.  I like to have a card with a fixed rate for emergencies.  The Disney one is now some variable + prime or something crazy.  Believe me.. I HATE cc... stupid ex-husband killed me!  I am gaining 10-15 points a month, bc I haven't had any lates, collections or anything since I left him 3 years ago.  Just figured I would get some info on some good cc options.   OH and my TU is 660.. not 654. 

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Here's another vote in favor of txjohn's advice. For real financial peace of mind, you can't beat money in the bank.

[Anonymous]

Thanks for all of the advice.  Fortunately I already have a 6 month cash safety in a Money Market and carry roughly 2000 in my checking account on a constant basis.  The problem isn't money availability, its more about having something to use if push comes to shove.  I called Disney and I think that they are lowering my base APR and it won't effect me as bad.  So I guess I will just keep that one.