the essence

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I would love to be able to find 0% credit cards that also gave points for purchases made. I love those points credit cards - so many of my friends and family have them & they're always getting gift cards with their points. We actually only have one credit card and it's through our bank. We just recently discovered that we've been racking up points with them for a few years & we have more than enough for a plane ticket!

With money being tight lately I do sometimes get a little worried that we're going to reach our credit limit. I know some people who just do balance transfers to more 0% interest cards. Gotta keep those options available!