Seems the plastic pushers are going after a market with a lot of potential ... the small business market. Take it from a former businessman; credit ain't the way to go to start a small business. More often than not, small companies don't get off the ground. Most of the ones that do only go for a little while before they crash and burn, baby. Using credit is bad enough, but even worse is when your biz goes under; then you have mountains of debt and molehills to show for it. That's double dumb.

Dave Ramsey grew his business off a card table in his living room, so don't give him or me the nonsense about how you need credit to start Little Man, Inc. The harder you work, the more money you make. If you don't use debt, you keep the money that you make, and you can use that to grow your company. The bright side of doing things small-time and debt-free to start out? If your business goes belly-up, your wallet and life won't go with it.