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But accumulating a little points we use a credit card for business for travel. when we travel to we get airline miles. cop fusing confusing your life is hard. and when kids are starting out and need to establish credit, we say get a secured line of credit, security credit card $500 in the bank. establish credit. but don t go crazy with credit cards. it s not worth the hassle and the risk when credit card companies can jack your rate from 10% to 30%. neil: they make them so intriguing. i m going to charge anyway but i get points back and i can buy ipod or whatever. some people say, well, i guess two wishes in one. you do, but then you got the ....