In this day and age, with creditors more conservative than ever, bad credit repair common and creditors changing interest rates and lowering balances seemingly without notice, applying for credit may seem daunting. These days, some may even eschew credit for cash exclusively, but know that it is vitally important to have some sort of credit available to you, not only for emergencies but also simply for maintaining your credit history. If you don’t maintain your credit history, you may find yourself unable to secure mortgages, seconds, lines of credit… etc. when you really need it and in a situation where you’ll need to be fixing your credit standing. To simplify credit card application, you may consider visiting a site like www.creditcardguide.com to compare major cards. You’ll want to consider things like APR, fees, rewards options… etc. Also, this site and similar sites allow you to apply online directly from their site, which is convenient. Once approved, consider using the credit card, even minimally and pay it off on time each month to establish and maintain your clean credit history. Furthermore, if your credit score is poor, contacting a credit repair services company, like Vitesse Financial, is a great option for credit repair.