Accidents & Injuries
Banks & Credit Unions
Cars & Motor Vehicles
Children & Parents
Credit & Debt
Crime Victims Domestic Violence
Criminal Justice&Police Misconduct
Divorce & Marriage
& Gov. Assistance
Health & Medical
Mail & Postal
Money & Investments
Phone & Utilities
Refunds, Repairs & Replacements
Scams & Cons
Wills, Probate & Estates
Work/The Wk Place
using credit cards except in the following situations:
When you know money is coming that will allow you to immediately pay off your debt. (such as when you must buy a wedding present today and your paycheck arrives tomorrow.)
secure travel arrangements i.e. airline tickets, rental
cars or hotel reservations.
purchasing goods from distant
Credit cards give you special rights to stop payment when you have a legitimate problem with the merchandise.
Such protection comes in handy when you bought the goods through the mail, phone or Internet and returning them would be impractical.