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Credit cards and their applications tend to be seemingly everywhere. In the mail, on bulletins on college campuses as well as online. But should you apply for just one? Some may think it's a no brainer that you ought to get all the credit you could possibly get. But is that really the wisest strategy? Let's find out. These cards are so ingrained in our society that it's actually getting difficult to operate on the planet without one. Many restaurants are moving to charge card or cash only transactions. Rental vehicle companies only accept credit, and only big charge cards at that. No debit cards or even secured cards allowed. Therefore just to live these days it seems as if you need to obtain a card. Also take into account your future financial needs which are dependent on credit checks. If you do not use a card, there will be no credit rating for you. When you need the graduate school loan, car loan or even mortgage, will banks approve the mortgage? It is a risky proposition
to loan money to someone without any credit history. We all know that lending institutions don't like to take risk. Now think regarding emergencies, of course no one wants to consider them but they do crop up every once in awhile. What if the water heater went, the transmission in the car proceeded to go belly up or your luggage was lost through the airline and you had an interview the following day? No one carries large amounts of cash together, and if you are out of town checks aren't accepted. Therefore the only option is by using a card. Even if you perform have savings, do you have enough to pay for the emergency? Emergencies can and do happen and many times having credit cards is the difference between managing the disaster and which makes it worse. Think of your house or apartment getting destroyed inside a hurricane, flood or tornado. Of course you'd move temporarily right into a motel. But what if you didn't possess a card to rent the room? In this point in time it
is vital to have the card. If you want to be financially responsible together with your credit, you still can even with credit cards. Apply for a card, and repay your bill every month. Only buy what you could pay for in cash at that time. If your card is just with regard to emergencies, then keep it in your own wallet with duct tape around this. That will be a reminder it's just for emergency use.






Use your own card wisely. Get a card and purchase emerald rings along with other jewelry and pay off the stability monthly.

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