Credit Card

Credit cards are good to have as long as you know how to use it. If you are a disciplined user, credit cards can save you in times of trouble. Having a credit card is also a way of improving your credit score which is very important in all financial aspect here in USA.

There are many companies that send you offers of pre-approved credit card. You need to be very careful in choosing which merchant account provider you want. Some of them has very high interest rates, some has annual fees. You should always be aware of their credit card processing. Some of them have hidden fees if you are not careful.

I was lucky to get an offer for a credit card with no contract, no termination fee and no annual fee. Shop around for credit card providers before choosing which ones give you the most benefits.