Credit cards are a necessity for most people these days. But they are a very expensive way of borrowing with APR's
up to 32%. You will also get stung with high interest payments if you make small or late payments.
The fuuny thing with credit cards is, the people who need them least pay the lowest interest rates.
If you have a good credit record, you can usually switch over to another Credit Card provider with a
0% period.
If you have a low credit score, you may want to consider a prepaid debit card.
Debt consolidation loans are a cheaper
way to get out of debt if you have run up high credit card bills.
If you cant get credit but you want to buy things online. You should consider using a
Prepaid Debit Card
