re: Should I get another credit card?

Well, as of now Chase is waiving the shipping fee for their gift cards. You can buy in $500 increments with your CC and it counts as a regular purchase. The cards now have PINs due to federal law, so therefore they are way more flexible to use. Go to Walmart and load them onto your Bluebird account, then have Bluebird cut a check to landlord, mortgage company, student loan, whatever.

I'm going to test this with my Chase Sapphire in the coming week or so. Waiting on my Bluebird card now.

ETA: I wouldn't go through the trouble if I had to go out of my way to do any of this, but I'm in or around Walmart once a month and that's all the times I need to be there to cover the expenses I want to.