Welcome to the forum! To answer your questions...
DCU is a great choice if you are someone who carries a balance and therefore want low rates on purchases. However their cards are not such a good choice if it's rewards you are after. To the best of my knowledge, only 1 out of their 3 cards offers a rewards program:DCU Visa Platinum Rewards Credit Card
- You earn 1 point per dollar spent. There are no bonus categories.
- You're probably only going to get 1 cent (or less) per point. Some actual examples are a $100 Shell or BP gift card for 10,000 points. $50 Starbucks gift card for 6,000 points. $25 AutoZone gift card for 3,000 points. None of these are a very compelling value.
- 11.25 to 18.00% APR, based on creditworthiness
- No annual fee
Conclusion? The DCU credit card's biggest weakness is its rewards program. If that's what you're after I would recommend something like this instead:
[blue cash].[/blue cash]Alternately, check out this list
of the top cash back cards which are sponsored.
Regarding your second question if using a credit card will cause you to spend more and go into debt, that all depends on your mindset. Typically the people who charge up frivolously are those who think more about the now than the later. Of course there are exceptions as some fiscally disciplined people may go into debt due to unforeseen events like a job loss or medical condition. If you are the type of person who likes to spend your paycheck as soon as you get it, then you should probably avoid plastic. On the other hand, if you are a saver who has self discipline, cards are a great tool because of the rewards and benefits they offer. I hope this advice helps.