Guess what? I have a credit card! The credit union called this afternoon and I went over to pick it up instead of waiting 2 weeks for them to mail it. Not that I'm going shopping today, but I figured why not just go get it? The last time I had a credit card was probably 15 years ago. And the credit limit is just what I hoped for. Not that I'll be "maxing out" my card, but I don't need a ton of credit line right now.