Credit cards are kind of a crazy thing.  They can be devastatingly bad for you, but at the same time, there are tons of situations where you really absolutely should be using one over any other method. 

They get so many people in trouble, and ever since Alan Greenspan came onto the scene, making the average monthly payment for credit cards start out at $10 a month, lulling the populace into a huge bear trap, credit card companies have been growing like weeds.

We had colors, and types of metals for a long time, but now there are so many custom cards out there, before long, there will be a type of consultant to help pick out your new card, based on your Horoscope, some personality traits, and maybe the inseam measurement of your pants… Check out this article that highlights the latest gimmick offerings with the related points systems, etc.

Shopper: “Hi. I’m looking for a credit card that gives me points toward earning a free roll of State Lotto scratch-off tickets, and has a graphic logo on the front that conveys serious business sense, but also a carefree and young sensibility.”
Consultant: “Yes. Well, you have described the “Hopeless Yuppie” card, but according to Chinese Astrology for your birth year, and the right ascension of Mars on your birthday, you will be much better off with the “Shifty Burger Bonus” Credit Card.
Shopper: “I would be embarrassed of that one. It has a greasy handprint for a logo.”
Consultant: “With your credit score and payment history, not to mention your pale yellow aura, you won’t be earning the lotto tickets any time soon. You may as well take the free ‘Heart-Attack-InnA-Sack™’ meal that comes with every on-time card payment. It’s Instant gratification.
Shopper: “You know, I think you’re onto something. I’m glad I didn’t just wing this decision on my own.”

Serious advice, you say?
The Simple Dollar Had some good advice for dealing with the card you already have.
Clark Howard Is always a good source, too.