Ill second the credit card dance!! It seems to be working for me this far.. Ive been doing it for the past couple years and have seen no change in my credit score. Guess well see what happens down the road.. If i needed to, i could pay the debt off now without a hiccup.. but why? Most anything i need to pay for is put on credit(0%apr).. Anything i make is put in a money market account(5% APR).. just as good as a savings account, but generally pays double what a savings account would and just as safe!! Plus the cash back rebates, Ill get back close to 8% for money thats not even mine.. all the meanwhile the credit card companies love you.. just make sure you pay the minimum payment each month. Pay with automatic transfer online each month. This makes it idiot proof! Otherwise that promo rate goes bye bye and your SOL... If you do it right you can maintain your debt less than 50% your limit at all times. Longevity seems to be the biggest damper on credit score if you choose to play this game..