Apply for a credit card now.  There are a lot of choices and options offered by credit cards.  With some 90 credit cards vying at the market you can get the right one. Each has an offer too good to pass up.  However, there are horror stories about people who did apply for credit cards.  Many lost sleep over mounting debts incurred by uncontrolled spending.  There are also happy tales of small businesses and students who made the grade with the proper use of credit cards.

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