Just got an email offer for an NRA visa card. . always use debit till now, because I like being relatively debt-free, but having a line of credit -- with an NRA stamp on it -- seems appealing. Has anyone else gotten one of these?

Heck, any advice on credit cards generally?

Yeah, DON'T use them unless you can pay off the entire balance within 3 Months MAX!!!!!

Trust me!

Treat them like a debit card and you'll be okay. :)

Actually, they're a good tool for establishing credit when you're young, to rent cars and buy things on-line, and for use in emergencies, etc. I use mine for the additional warranty and I treat them like a debit card. I pay the full balance each month; no finance charges or annual fee. If you use it like this, the interest rate is not an issue because you never pay finance charges.

If you have to carry a balance, then you want the lowest rate possible, a reasonable grace period (unlike my cards which give me 10-14 days because they know I always pay the balance in full each month), and a low annual fee, if any.

If you treat it like an extension of your checking account, you'll do fine.

I have had the NRA card for a couple years.
They get a small kick-back on all purchases, which is why I use it.
Pay it off each month is the best advice you will ever get.

There is nothing wrong with a credit card. My wife has a stack of them. You just need to pay the balance each month. Don't charge anything if you don't have the cash.