Or are the majority of us trying to get good credit in the first place before considering this? =) I am just looking out for my near future when I do hit prime and start applying, i want to do that strategically. I wanted to consider everything from: 1) APR 2) Annual Fee 3) credit limit stinginess/laxness and upgrades 4) acceptance (visa, mc, amex, etc.) 5) balance transfer rates 6) incentives, meaning coupons, discounts, price matching, etc. 7) points on airlines and how generous it works 8) % cash back rewards 9) etc., anything else??