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With gasoline prices in the United States surging ahead at a breakneck pace, buyers who once embraced big oversized trucks and sport utility vehicles (SUVs) are turning away from gas-guzzlers, a move that’s putting the squeeze on both automakers and auto dealers.

None have been hit harder than Chrysler, which relies on trucks and SUV’s for 70 percent of its sales. They reported that sales were down by as much as 23 percent during the first four months of 2008. That may be why Chrysler was the first major automaker to offer what is clearly becoming the most popular incentive of the season–gasoline.

After that dismal 4-month downturn, the maker of Chrysler, Jeep and Dodge vehicles announced it would guarantee that their new customers would never pay more than $2.99 per gallon for gas for the next three years–no matter how high gas prices rise at the pumps.

In a creative marketing move, Chrysler has arranged for its customers to get a special credit card to be used for gas purchases. Customers using the card will be billed $2.99 per gallon to their charge account and Chrysler will pay the rest.

The guarantee, which is offered on 32 models, covers up to 12,000 miles annually for three years, and allows customers to buy gas anywhere they choose. The incentive also follows the vehicle if it is sold, allowing anyone that owns the car during the three-year period to take advantage of the gas incentive.

Suzuki, whose new car sales have been less affected, quickly followed suit by offering free gasoline to US buyers, but only for the summer of 2008.

Industry observers have stated they do not expect free or discount gasoline to take the place of the once most-favored incentive for new car buyers–cash rebates. As critics of the industry are quick to point out, gas giveaways do nothing to address the underlying problem. Gas prices will undoubtedly continue to rise and gas supplies will continue to dwindle.

The problem with this type of campaign is that it is not really solving the problem, but covering it up. With this promotion, Chrysler it seems, is actually encouraging people to go out and buy bigger trucks and SUVs simply because they get a rebate on their gas. But since these trucks and SUVs get much less miles-per-gallon than smaller vehicles, the buyers are going to have to fill up much more often than they would if they downgraded to a smaller, more fuel-efficient car.

Using more gas is only going to make demand for it go up. And when demand goes up, so does the price.

The only real, long-term solution to easing pain at the gas pump, most will agree, lies in developing vehicles that are more fuel-efficient as well as vehicles that use alternative fuel sources. Even though America only has 4% of the world’s population, it uses accounts for 25% of the world’s oil consumption. The smart thing to do is to try and use less gas, not use more at a cheaper price.

In the words of one industry observer, “The days of driving on cheap fossil fuels are as dead as the dinosaur.”

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Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you don’t have too many credit lines open or otherwise hurt your credit.

Pick A Good Card

Credit card companies offer several different types of credit cards for consumers. You can find student programs that require no co-signer or income. This is a great offer for your first card, but these cards also have higher rates.

You can also find cards with cash back rewards or other incentives. The trade-off are higher rates though. However, you can find no frill cards with low interest rates if you plan to carry a balance. Whichever credit card program you choose, make sure it fits with your financial goals.

Start Small

When you are building your credit score, you want to start small. Open one account and use it at least once a month to make a purchase. This can be a regular purchase that you have cash to pay for. The point is to use your credit and then repay it. Every time you make a payment, it will show up on your credit report.

Lenders will also look at how often you make payments. So using your card once a year and paying off the entire balance that month won’t do you much good. Your credit report covers three years’ worth of payment history, and lenders want to see your payment pattern.

Don’t max out your card either. Only use a small portion of your credit to show lenders that you don’t get yourself into financial binds.

Maintain Your Credit

Regular payments are only one part of your credit score. You also want to keep your credit in good order. If you have dozens of accounts open, close the ones you don’t use. The less open credit you have, the more you will be eligible for, a bonus when buying a home or car.

Also be sure to take advantage of your annual free credit report. Look over it to make sure that your credit history is correct. If you find any discrepancies, resolve them with your lender.

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Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

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Finding a credit card is more than simply applying for the first offer that you receive in mail or via Email. A credit card application is a contract between you and the credit card issuer and should not be taken lightly.

Finding the best consumer credit card is not easy. There are hundreds of consumer card offers are available on the market, which makes it easy to fall for the wrong credit card offer. You should do your due diligence and read the terms and conditions before settling down on a card.

The best consumer credit card for you is the one that addresses your specific needs. You need set your expectations for your card before choosing a card. If you plan to get a rebate on your monthly purchases, you should go for a cash back card that comes with a decent rate and a lower cash back limit.

A lot of folks use their credit cards to earn miles rewards with their purchases. If you plan to travel around the world and save on your trips, you should go for a travel card offer that comes with no blackout date, no restriction on air-line that you can use, and low or no earning cap.

Best consume card offers come with more than just low fees, high cash back rates, and lucrative travel deals. You should always consider the reputation of your issuer before filling out your application. Google is your friend here. You should search for "brand name" + "fraud/scam/complaints" to find out how your card issuer deals with disgruntled customers. Keep in mind that the nature of credit card business guarantees that some folks will have complaints regardless of how well they are treated. But if you find out that your credit issuer increases fees or rates on their customers without any specific reason, then you should be alarmed.

The times may be tough, and many credit card companies have decided to take advantage of their customers by increasing their APR without any real reason. A few companies have even used deceptive practices to charge their customers late fees. Owning a credit card is a big responsibility. Make sure you do your due diligence before signing up for a credit card offer. Opening up a credit line does affect your credit, and you don't want to keep opening new credit accounts to find a credit card that is right for you. And don't forget to pay your bills on time all the time to avoid getting yourself in trouble.

At the end of the day, the best credit card for you is the one that addresses your needs. If you are planning to save on your grocery bill, you should get a card that offers cash back or rewards on groceries or general purchases. Make sure that you read the terms and conditions after you have done your card comparison to make sure you are not getting into a relationship it's not worth getting into. Y

About the Author: Are you tired of all the credit card offers that you receive in mail or via e-mail? Intelli-Credit-Cards is the first smart credit card ranking system that ranks credit cards based on numerous factors across three categories: Business, consumer, and student. Find out more about intellicreditcards.com credit card rankings on http://www.intellicreditcards.com

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Want to receive cash every time you swipe your credit card? That’s exactly what you’ll get with a cash back credit card. This type of credit card is designed to give you rewards in the form of dollars. All you need to do is use the card. Sound like a good deal? It is. Here’s what you need to know about cash back credit cards.

The Cash Back Process

In basic terms, these cards give you a certain percentage of cash back when you make a purchase. So what does that mean for you? It means that when you use the card, a certain amount of the total will be credited to your account. Say you buy an item for $500 and your card offers 5% cash back. You can expect to have $25 come your way, just for using the card.

As you search online, you’ll find card issuers are now offering many different types of cash back cards. Some simply offer a full 1% cash back on all purchases made. Others give higher rewards, like 3% cash back, for purchases of certain goods. Still others come with a chance to earn up to 5% back when you use the card. Many include initial offers that give you even more cash back for the first few months.

Before you apply, make sure you understand what you are signing up for. Some cash back credit cards operate on what’s called a tiered, or layered, system. This system will give you higher rewards as you spend more with the card. A common setup is to offer less than 1% cash back until you have spent $1500. Then from $1500 to $3000, you might receive a higher percentage. Anything above that will bring you an even greater percent of cash back.

Things to Consider

Before applying for a cash back credit card, you’ll want to make sure you choose the right card. Start by researching online for one. When you find a card that interests you, check its interest rate. Many types of rewards cards, including cash back offers, often come with a high interest rate. If you plan to pay off the balance each month, this won’t be a problem. If you do regularly carry a balance, you might want to consider a different option, such as a low interest credit card.

Another thing to consider before you apply online is the annual fee. Many credit cards charge an annual fee in order to access the rewards program. Unless the card comes with enough benefits to make up for the annual fee, try to find one without a yearly charge.

Cash Back - A Smart Choice

Certain credit cards will send you cash rebates in the mail. Others will credit the money to your account. With some card companies, you can request your cash reward whenever you want. However your cash back program works, the bottom line is that you will be rewarded for using the card.

Most companies now offer cash back credit cards that give you good rewards without any hassle. Start looking today and apply online for a card. When you start using the card, set aside the cash you earn for a special cause. You may be able to plan your next trip based on the cash you earn from your card.

About the Author: Click Here to Find Cash Back Credit Card Offers: http://www.creditcardcity.com/cash-back-credit-cards.aspx Stephanie Andrews is a contributing editor of the website http://www.CreditCardCity.com, a credit card directory where you can apply for a new credit card wit

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