My husband does not have a credit card. Can you believe that? He applied once but I think his application got lost because he never got a return call from the bank! He never applied again because he hated the hassle of submitting requirements and stuff.

I have two. One is a supplementary card and the other is my personal card. We have actually survived with using only my card for months. However, lately expenses have been increasing steadily ~ from Ozzy’s clothes, milk, vitamins to our groceries, insurance payment and car bills. Using credit cards prove to be very helpful in times when cash is hard to get by. Some credit cards even double as discount cards and others offer points for freebies like when we got our free Sony PSP.

Good thing that there are sites that offer information on credit cards wherein my husband can research online for the right card that will best fit his needs. He can also compare the various credit cards and once he has chosen the card best suited for him, he can easily apply online. That’s it, very hassle free.

He’s hoping that this time around he will get accepted and get his very first credit card.