Is credit necessary and how/where do you bank?
pbh101: Being a college senior, I just want to point out again that credit cards aren't intrinsically bad; rather, they're a tool that can be used effectively or abused.I have a local Credit Union Visa and an Amazon CC, the latter of which I only use for Amazon because Chase Bank, the backer, is not nearly as friendly (higher fees, etc).I pay for almost everything with CC because I like the itemization.  That being said, I don't ever use them as 'credit' per se, to cover money I don't already have in the bank.  To me, they're merely a useful convenience.