This article is geared to those that have no credit history whatsoever and are having difficulty obtaining a credit card. Credit is such a common part of our everyday lives. You may not even realize how often you use credit. Every time you receive a service or buy something without paying cash for it you are using your credit. Credit can make a big difference in your life.
Credit is based on trust.
When you buy something using your credit you are making a promise. A promise to make your payments as you said you would and on time. The key is to start small. Get a department store or gas credit card, make a few small purchases and make your payment on or before the due date. There is a myth that if a bill is postmarked before the due date, it is not considered late.