I have one CC, Justice Federal Credit Union, that is my go to on all matters, and there are some I stay away from because lending is so stringent (meaning, they'll hold my money in deposit, but they wont lend me anything).

We have one of the strangest CC laws that I have ever heard of.

I love my Home Depot CC and it's 0% APR!

I thought that meant paying down my loads to be debt fee (i too do not have cc debt).

Very professional, itemized invoices, pay by CC, etc...

@Walter Roby jrWhen you get into Class C, C-, or D, you are taking on a full time job...

There are also lots of shades of gray (also calle B+, B-, C+, C-) this is where the fluidity comes to play. 

I have never had CC debt and wouldn't even buy a car unless I had the cash in the bank. 99% of his listeners have to be explained what interest rate means and are so far from understanding something like ROI or IRR.

Both San Francisco and Sacramento counties have probate information on line:https://webapps.sftc.org/cc/CaseCalendar.dll?

You could even use promotional offers from CC with no interest for 12-18 months, just do not write it in contract :)) and be sure to pay off before the deadline