Credit card

In Ontario, Canada, one dog has a credit offer most of us can only dream of.

Serious Jetson's stuff here

''m curious about safe ways to establish credit. I have ambitions to run my own cafe and coffee roastery one day. Having a good credit history is going to be key. But, I hate the idea of spending money that I don't have and keeping track of interest rates. Are there any cards or plans I should look into, with this in mind? Charlie, Philadelphia, PA

My husband and I have made pretty bad and spontaneous financial decisions that have brought us a lot of debt. Our plan for 2012 is to get out of debt and start saving more, since we depleted our savings in the past 2 years. I would like to know how to start getting rid of this debt in the smartest way and how to save significantly at the same time. Carla, Boston, MA

Recently, I got married. I increased the credit line on one of my three credit cards and charged a lot of money on two of the cards. One, I basically stopped using, but it is open. I also had a lot of credit checks done as I was applying for financing a car. I leased a car and started renting an apartment. Now, when I started looking for a mileage credit card so my wife and I can better earn miles to travel, I found that my credit score has decreased and my applications are being denied. How can I rebuild my score after all these credit checks. Should I cancel the card I don't use? Thanks! Adam, Los Angeles, CA

I have a lousy credit score and am taking steps to improve it. In the meantime, I need to get a prepaid credit or debit card so I can pay for things like airfares, rental cars, hotel reservations, etc. Can you suggest the best prepaid card to go with? My initial Internet search for said cards resulted in a headache trying to figure out if these companies were a good deal or just a consumer nightmare. Any help is greatly appreciated. Mark, Duluth, MN

Marketplace Money host Tess Vigeland and David Lazarus, consumer columnist for The Los Angeles Times answer listener questions.

The debate over credit versus debit has been raging for years. Guest blogger Gerri Detweiler gives three reasons on each side of the argument.