So, you just received an application for a credit card in the mail or you happened to come across one on the internet, how do you know if you can handle a credit card or the many responsibilities that come with having a credit card?
There are some people that believe that there are certain personal characteristics that can help to determine if you are responsible enough to have a credit card or if you should hold off on getting one.
1. Excessive spender-are you an excessive spender? Do you have a problem with spending too much money? If so, than you should hold off on getting a credit card. Credit cards are great to have for an emergency or the occasional purchase, but not all of the time and for everyday use; unless you can keep up with the bills.
2. Previous Credit cards-Do you have several other credit cards that you have fallen behind on and/or are over limit on? If this is you, than maybe you should also hold off on getting a credit card unless you cut some of the others or pay some off.
3. Consistently late on payments-Are you ALWAYS late on payments on your bills or other purchases? This is another sign that maybe you should not have a credit...
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