I’m 39 and own my home. I’ve never had a credit card. Now I might need one and I don’t know if it’s a good idea…

I’m 39 and own my home. I’ve never had a credit card. Now I might need one and I don’t know if it’s a good idea… I have a maximum of $6000 set aside for a down payment on a modest used car that I must buy before winter arrives. My goal is to keep my monthly car payment around $250. This week I was hit HARD with a major plumbing bill. The cost was about $4900. The good news is that they offered financing and I have one year to pay it off. But that’s about $...

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