No. of Recommendations: 0
I have to go with DeltaDog2 - you really shouldn't even be thinking about carrying a balance on a credit card. Looks like you've done a great job pulling yourself out of financial problems - so why go back there? Why give credit card companies one more cent of your hard earned money?

Moralizing aside, three years out of bankruptcy may be a little early to get a good percentage rate on a credit card - how's your mortgage and car loans, if I may be so bold? I think it would be at least 5 years before anyone solicited you for a CC with a good deal. In the meantime, you could try seeking out some good cards at and apply for one. If they turn you down, you'll at least get a free credit report out of it. (Of course, don't apply for a flurry of cards as that always sends up a red flag for lenders - pick one and apply, and wait maybe six months before trying again.)

Emergency fund is DEFINITELY the way to go. Sure, use a credit card in an emergency, but pay the whole balance out of your EF when the bill comes.
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