Happiness is a Luxury

Me and an officemate had a conversation about applying for a credit card. He had just resigned from my office and is already accepted at another company. Since he has a bigger salary there I asked him what would he do with salary. He said that he would definitely apply for a credit card.

It reminded me of a friend who can't seem to be approved when she was applying for a credit card. I knew she earned well. This officemate I mentioned earlier said that maybe she had bad credit record. It could be a possibility since I knew she was a shopaholic. So that me me think "Could One still apply for a credit card when already have a record?"

Well there is definitely hope. As I found there a company who offers bad credit credit cards andbad credit loans to people who already have records. Today are hard times and so one can never really avoid to have a clean record (except if you are born rich). It would definitely be sad when your record is smudged for a lifetime.

I don't have a record of some sort but I also don't have a credit card. Maybe it's time to get one.