How many credit cards do you have? I have 3 in my purse and more in the drawers (those I seldom use). I carry my Chase Freedom Visa with cash back, a Capital One Visa with cash back and a Discover card always in my purse because I use these credit cards the most. I believe everyone should have at least one credit card. If you don’t have any, please check out Credit Cards Club and apply for one.

At Credit Cards Club, you can choose to apply for a credit card that fits your life style. If you like to travel, you may want to apply for one that collects miles to exchange for free travel or hotel room. If you like cash back, then apply for one with cash back. Or if you prefer, you can choose those with low or ZERO APR for the first 1 or 2 years.

As for me, I prefer no annual fee credit cards with cash back option. I used to have a Priority Credit Card which accumulates points to exchange for free hotel rooms but since we didn’t travel as much we didn’t use the points. We decided to opt for the cash back credit cards as whatever we buy using the credit card will give us a 1% cash back, and if we buy groceries, we may get up to 3% cash back. So before you decide which credit cards you want to apply, read the features and detail information about the credit card and choose one that that you think best fit your life style.