Are you looking on where to apply for a credit card? Do you have any credit card company in mind that you want to apply with?

As for me, I am truly afraid of having credits and I am afraid of owning my own credit card. The one I have is just a joint account credit card of which I am only using it when I have some doctor’s appointment in paying for co-pays. But it is not me who will pay it to the credit card company but it’s my husband who will handle it!

In any case, if I will have a chance to apply for my own credit card (not a joint one), I need to have a secured credit card! Besides, it is advisable to have secured things these days. This is to avoid some frauds and other unpleasant events! Apart from that, I also need a credit card that doesn’t have a yearly fee and 0% APR for certain period of purchases. Most of all, since I don’t have much on my credit history, I need a credit card company which will accept with me having no credit records! Well, this is just in case of me applying for my own credit card one of these days!

How about you? Do you have your own credit card? Or are you like me who doesn’t have one yet? Owning a credit card a necessity in your part? What do you think?