Hello everyone. Well, not really a goal, but yeah it is…..more of a challenge. I want to get into the GEMB card family, Old Navy, JCP, one of my relatives has one and I like the coupons, promotions that they receive in addition to the sales….AMEX to me is the God of credit cards, but I don’t aspire to have one. When I think of an AMEX I think I need to pay in full every month. May not be the way it is, but I always thought of them as that and I like to carry a balance sometimes. My ulitmate goal is to be able to get a card with my credit union. From what I’ve heard, they give generous credit lines once you have nice reports and credit score and that’s what I want. I want to establish a nice savings, but I want to have that nice credit line just in case something happens….major repairs, etc. or I just want to splurge for once in my life!