Most of the people around me have credit cards, but the different is how are we using them. Some will just use during emergency, while others treat them like cash. I like using credit cards for expensive purchase so that I don’t have to bring so much cash around. Both hubby and I seldom bring a lot of cash when we are out. If I got to shop a lot, I will charge it to my card first. However, I know I need to pay for them by the end of the month, and it’s not like I’m trying to get the things and just pay for the minimum payment.

But if you have a bad credit, you may not get a card easily. Howeve, you can try getting those Bad Credit Credit Cards from CreditCardSearchEngine.com which has offers from leading U.S Credit Card issuers. So this is only applicable to US, ok? Not here locally.