Thanks for the input so far, appreciate it.

I'm a little surprised to see no hospitality or airline company get into bed with one of the credit rebuilder cc's. The fee's are insane but there is a group of folks like me who would lock themselves into one of these cc's if they offered pts.

As to bank debit cards, I know they won't help my credit but I actually just applied for this one ... I know u don't get pts for pin number transactions but what about internet purchases ?