How to obtain credit card ,manage credit cards.

So you've been denied a Credit Card ,then go to Sears or J.C. Penney these credit cards are the easiest to obtain,if you have no success , go to a furniture store or appliance outlet in your area , due to the fact you live in the area , a local store will be more willing to to extend credit. If that doesn't work go to a local bank that offers ''Mastercard or Visa'' and ask about opening up a charge account for you with a credit balance.This is how it works.Fill out application for the credit card you want to receive and send the application along with the $300.00-$500.00. Request that the Bank extend that much credit to you. In short ,your are paying ,in advance,for charges you will make in the future.When your account balance has been depleted,the bank most likely will extend a credit limit to you without another deposit of money.Always be SURE to pay on Schedule so that you will exercise the opportunity in establishing good credit history. If you already have a credit card or credit cards practice using them wisely, I mean if your in debt , learn from the debt ,by going back and seeing where you made the errors , i.e. charging on your credit card thinking it was like spending money''thats OK to do if you practice paying on time'',to much money spent on your favorite coffee,buying items you 'really didn't need'',the list could go on ,I know ,been there ,done that! All in all be careful, cut down on the credit cards you possess , don't let credit cards possess you. try to get down to 2 credit cards .You may decide to use one card for one type of goods and services and another card for others. Tip:Suppose you charge $100.00 a month on your credit card and it's your custom to pay the entire $100.00 the following month.When you get your bill , a minimum amount of $10.00 will be due.Make a payment that is 20% higher than the minimum monthly payment,in six months you should be granted higher limits automactically.
Face the situation fearlessly,and soon there will be no situation to face. Anon.