Credit Cards are definitely a constant in the average consumer's wallet. This phenomenon took hold in the 1950's as Americans transitioned from savers to spenders. It is always best to spend cash for the things you want to purchase, but if you feel the need to have plastic debt, then you want to shop for the best deal you can on your interest rates and fees on credit cards. Even during the financial crisis, banks are still issuing credit cards, and lending money. Fees, and interest rates are always determined on your credit profile. If you have poor credit, you will have lower limits, higher interest, and fees. As for the better your score, the better your situation.

When you have your credit card, do not max it out! This will hurt your credit score. Try to keep the balances to less than 35%. So if you have a card with a $1000 limit, do not put more than $350 on it.  If you are someone with a maxed out card, but qualify for a better card with a lower interest and higher limit, then the move would be financially sound move, especially when you are offered 0% on balance transfers for a year. That helps when it comes to paying down the debt. Now, if you have 2 or more credit cards in your wallet, stop! You do not need another one. Not unless you are looking to cut the others up and replace it with a different card. I always recommend, no more than 2 credit cards. Once you get multiple credit cards, you are running the risk of getting into trouble if things go wrong. I would recommend only one card per person. It is a lot easier to manage.

Now let's get to choosing a proper credit card for your credit profile. First and foremost, what is your credit like? What is your score? It is important to know this stuff first, before applying for any line of credit. Too many inquiries could damage your credit score, so it is best to know where you stand. Your credit report is free, go pull it if you haven't. Your score will cost you extra, you will have to inquire the credit reporting agencies your self for that. Or you can get a 3 in 1 report with all your scores for a small fee too.                                                                                                                   

All credit card links will be listed with references of who would qualify for them. They will be scored with credit score ranges. For example a credit card listing will be 500-750(multiple), that will mean that the link will take you to a site that has all ranges of credit card, as for  a credit card listing will be 680+. That will simply state that you will need to have a score in that range to qualify for that particular line of credit. Or there will be a listing that will have 580+. 

Please understand,  that having a certain score does not guarantee you credit, or does not mean you will not be able to obtain credit.  It is just a guide to help you make a more informed decision. All links added will take you off this site, and onto the different bank sites. It is always recommended that you the consumer do research on any lending institution you choose to do business with, and check out the FTC to see if there are a lot of complaints filed with the bank.