I know that spouse or even children are responsible for any credit card or auto loans/ revolving debt.

I took it several times and used the concepts that I had trouble with to create flash cards and reviewed those over and over.

We are not looking to do post cards just yet.

We are not looking to do post cards just yet.

I have over 30 properties, each owned by a separate LLC and each with their own bank accounts and debit cards. 

C class areas can see up to 5 weeks but that can be drastically improved if you play your cards right.

Also, saying that you need to get the concrete done anyway and don't have that kind of cash on hand leads me to believe you might want to think about getting some stronger cash reserves or your own lines of financing before proceeding; I've got credit cards with credit limits double that, where I could self-finance those kinds of repairs if necessary, but that's not a big enough hit that I'd have to worry about taking out loans on paid-for houses. 

Been to a couple of group meetings and feel like I should have some cards.

Even a credit card company gives me 20 days. 

Is using credit card debt a bad idea?