My officemate has just ask whether I would like to apply for a credit card. Obviously my answer is a big NO NO. I have gone through a torrid period with credit card companies. My experience does not apply to everybody because myself don’t even has the discipline needed to own credit cards. So, all I can say to my officemate, you are wasting your time asking me. But for those who is able to control themselves, credit card is not a bad options in making your life easier.

There are many offers available when applying for credit cards. Choose the best offered APR rates as this will determine the interest that you will have to pay to the banks.As recently Mint Credit Cards has a new lower rates, it might be good to apply for one now.

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