Here are a few good reasons why we need a credit card and credit in general
Travel Reservations---if you want to make travel reservations local or international for airline,rentacar,hotel or a cruise,a credit card is usually the prefered form of payment.HotelsCombined.com - Compare rates from all major hotel sites at once!
a credit card also help you create a credit profile or credit score something that is very important,this is what lenders and financial institutions look at to decide what percentage rate to give you when you decide to buy something like a car or home.
If you had problems with your credit previously,even if you file for bankruptcy you can still get a credit card to use and rebuild your credit.
The best place to start is--ORCHARD BANK--depending on your credit profile they might start you with a three or five hundred dollar credit card.
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