When we have our job and receiving our stipend in a normal pay cycle, we sometimes think, this is not enough, I have so many things to buy, but how will I if I am only receiving this amount? And so the credit card exists, many countries, almost all do have a credit card offer to the nation. You will not have a credit card in an instant, it will first go through a credit card processing. There are several steps taken and process for the credit card owner to be approved.
Going back, we only have a manual processing, where like, a person has to be approached, handed the application form and process at that moment. Now has become more high tech, due to the invasion of modern technology, we now have an online credit card processing, more convenient and faster. Not only that, we also have a wireless credit card processing, makes you less time consuming in the availment of credit card.
There are credit card companies who offer their new member the free annual subscription, others offer a very low one and requires maintaining it cheaper.
However, being a card holder entails a very good discipline, take time to think of something to buy, is it really a need or a want? Because you might be buried in dire if you use your credit card in some non-sense stuff. Be sure to think things smartly.