The care credit card concept sounds very nice and useful. Credit Karma is a wonderful site. I also recommended it on another thread. Although it only shows a FAKO score based on TransUnion and not the actual FICO score that lenders look at, it does give you an idea of how your activity affects your score. For more sites to get free FAKO scores based on TransUnion and Experian, check out ambersun’s post here: http://www.newdirt.org/forums/topic.php?id=27. Those sites are similar to Credit Karma and are useful too.