I have one true credit card (with an amazing $200 limit), and a CompUSA store card. My other "Credit card" ties directly to my bank account. Thats the way I'd like to keep it (and once I pay off the CompUSA card, it's probably going to be canceled).

I prefer my debt to only be on large things, like my car. The only reason I got a loan on my motorcycle was for the credit raiting, I plan on selling stock next year to pay it off.