Don't give them money for anything - business cards, "marketing costs" etc. 

But a pattern of going nuts at Christmas on a credit card then not paying it off is a big red flag.  

First things to go is my credit card and car loan.

If you have debt, try to pay more than the minimum payment - even a small amount can have an impact.Don't close any credit card accounts - part of your score involves how much credit is available to you.   

It is a list that I have taken time to cultivate and craft, because when I have a deal to take to someone they know that what cards I am holding and that I am not looking to get on over on anybody.

I am using vistaprint.com to create my first business cards but definitely would like to see some samples from all of you as a reference.

People who have been driven from their homes need things like dry goods, baby formula, water, diapers (for children and adults), toiletries, feminine products, blankets and jackets (cold weather is upon us), undergarments, shoes, gift cards for goods and groceries etc.The thing most people don't realize is that those who have lost their homes are looking at 2-3 years before they can rebuild, assuming they had adequate insurance to even rebuild at all.

Bring business cards...to the wedding that is.

On top of that, I am into credit card churning which means I apply for an average of one credit card per month to get the sign-up bonus.

Is it best to build business credit to use business cards as a form a of a down payment on closing costs in escrow?