Business and credit cards
Business and credit cards are very easy to use. You just want to find out how much you can spend without leaving a negative balance on your account. If it's not free you might as well just use a regular credit card. If you pay your bills each month you'll also save yourself a little money each month. Once you set up your new financial relationship, your credit card will have a much lower interest rate. You will be able to pay off your credit card debt and keep it under your limit.
What to say to all of your family and friends. Don't forget to tell them how great it is that you just did the right thing when using your credit card to pay your bills.
What you should do now. When you have your new financial relationship you should make sure you've got it ready before you enter the car. If you have a credit card balance now you should be checking periodically to make sure you have the balance