Dear Creditnet: I have nine years of credit-history and while my credit is "good", it's not "excellent". I'm currently interested in applying for a top-notch rewards credit card, but my chances of getting approved seem to be much higher if I apply for the student version of the card. So my question is will a student credit card have the same effect as a regular credit card on my credit score? And what about rebuilding my credit-history? Will a student credit card help improve my credit just as much as any other credit card?

How many germs and contaminants are on money? A whopping 92% of all dollar bills have traces of cocaine, which bonds to green dye.

The bad news: you're up to your knuckles in debt. The good news: you can get out of debt. The better news: you don't have to destroy your credit cards! The slightly worse news: you still can't really use them.

As I was driving back from my recent vacation to North Carolina, I did something I’ve never done before—I bought a lottery ticket. The jackpot was $137 million and as I talked to the woman behind the register, I could tell she was amused by my clear naïveté in this venture. I chose my numbers, paid a dollar and got back on the road. I viewed the dollar I’d just handed over as, at worst, a donation to the state of North Carolina or, at best, the luckiest dollar I’d ever spent. My wife and I passed the next hour of driving discussing what we would do with the money if we won. Would I keep my job? How much would we give away? Would my friends and family judge me if I insisted on riding a gold Segway everywhere I went?

Okay, well you'll obviously spend more than a dime if you bust out the credit cards during this weekend of shopping bliss. But the object is to just save as much as you possibly can, right?

So if you were in too much of a turkey coma to hit the stores at 4 a.m. on Black Friday, don't fret—you can still redeem yourself today. Cyber Monday is in full swing and my inbox has been blowing up all day long with last-minute deals.

Why not skip out on that boring monday-afternoon meeting and take advantage of the best online bargains you'll find all year long? Get started by checking out the following 3 sites to not only help navigate all the madness, but also quickly cash in on some sweet Cyber Monday deals.