My opinion on credit cards

The best credit cards are those that you dont have to pay a start up fee, or put money onto the card. I have had my share credit cards, those from store cards, gas cards to credit cards. I think my problem was is that I had to many and seemed to max them all out. Then my monthly payments are sky high. There okay to have, as long you don't max them out, and use them for emergencies only, or if you have the money to pay off the bill. I have learned the hard way that having all these cards, maxing them out, and not being able to pay the bill, has ruined my credit. You can go to these to sites, and get some useful information. http://www.cardguide.co.uk/guide/ http://www.cardguide.co.uk/articles/