This week's top 12 credit round-up

Read this week's best credit-related posts from the blogosphere, covering everything from the McCains' passion for credit cards to the reality behind credit repair offers and the relationships consumers have with their credit cards.

1)    Money Ning features a guest post warning consumers of the truth behind credit repair scams.

2)    Over at WalletPop, Lita Epstein helps newlyweds decide if they should get joint credit or not.

3)    Free Money Finance discusses a piece on the presidential candidates' credit card usage. Let's just say Republican candidate John McCain and his wife like their credit cards. Democratic candidate Barack Obama and his wife, not so much.
 
4)    Money Under Thirty explains when it's best to take out a personal loan and when you should use a credit card instead.

5)    Prime Time Money provides 10 wonderful reasons why you would be happier if you were debt free.

6)    Hate those annoying credit card offers you always get in your mailbox? Financial Learn offers information on how to opt out.

7)    Mrs. Micah got her first credit card. Welcome to the club! She explains why she got it and how she plans to use it wisely.

8)    Accumulating Money has a guest post that lists the five major disadvantages to having a debit card.

9)    CNN's Jack Cafferty has some new stats about Americans' credit card habits and asks his readers what their relationships with credit cards are like. Read the quickly-growing comment section -- there are some very interesting and diverse responses.

10)    Talking Retail discusses a study finding that as the credit crunch worsens, more consumers are warming up to coupons and promotions.

11)    Lynnae at Being Frugal reviews a chapter in the book "(Not) Keeping Up With Our Parents" and discusses its interesting views on debt and adds her own perspectives.

12)    Did you know that merchants cannot require you to show your ID or require a minimum charge when you use your credit card? Credit Addict debunks these "rules."