Why do I need or want a credit card?

Your whole life you are judged by only a few finite things and your credit score is one of them. Almost everything that you will do financially in your life will check and pre qualify you based on your credit score to some extent. There are many activities that use your credit score as a background check and validation of your financial responsibility that most people don't even think about.

• Home loans
• Car loans
• Student loan consolidation
• Utility companies
• Apartment rental applications
• Job applications
• Cell phone and satellite TV services
• Social & dating networks

You definitely need and want a good credit score and a credit card is the best and most effective way to prove you have good credit history.