but it’s still not the right choice for me, and I still don’t trust them.

It’s up to everyone else to make their own decisions on this!

Credit cards can be dangerous, but obviously if managed well can really pay off. I’ve a friend who actually deposits money from 0% balance transfer cards into an account, earns the interest, and then pays the card off in full, without ever paying interest. (For the skeptics, his credit score has been unaffected by this practice). I wouldn’t go that far myself (seems like a lot of hassle for little reward), but I think getting 1-5% back is worth it on purchases-esp. when you think that retailers have built this cost into the price of their goods, so you’re really just getting it back.

The way I’ve mitigated the risk of “overspending” is to frequently download my transactions into quicken. This lets me see mine and kim’s together as well, so nothing catches us off guard at month’s end.

In any event, for those who are carrying a balance on their cards, I forgot to mention that this card also has a 0% balance transfer interest until May 2009 (check the signup page for the latest details and qualification info) on that.

I’m a cash and carry kind of gal, I suppose!

(This is a good deal, I suppose, for those who don’t have a problem with credit cards!)