Originally Posted By: Lono
Not all credit card lenders are going to screw you - look into CCs from your credit union or associated with your retirement plan, ex.


+5 to that.

Local owner banks and credit unions are the way to go. they will still issue the card through a credit card company, VISA, etc, but the terms will be through your local financial institution. Generally local banks and credit unions are in much better shape than the big banks simply because they play games placing bets on money they didn't have.

Also, another big bonus in my book, over and above good rates and reasonable terms, is that money deposited in local banks and CUs tends to stay within the local economy.