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jiniwinapex wrote: ↑April 15th, 2019, 3:32 pm It's very difficult to live today without a credit card, not for the sake of the funds but merely for convenience. Without a credit card, you can't purchase anything online, use services like Uber, check into many hotels, etc.

If you have a bad credit score, you're likely to attract high interest rates, regardless the lender. Have you checked with your bank? It is wiser to obtain a credit card from your bank, or request for an increase in the limit, than signing up with multiple financing companies. Keep in mind the more cards you get the higher the chances your rating will get worse or stay low.

Car hire and hotels are often places that want a credit card, though most can take (sometimes large) deposits off a debit card as an interim measure. Credit cards offer much better protection online booking things like flights etc... as well, and some offer free insurance of sorts etc.. There are benefits if you manage it right.