Hmm. How do you pay your credit card bills when there's a lot of debt going around? You said you don't have any cash. I'm wondering what your answer to that would be. As far as I know, banks never contract with customers who can't provide proof of their ability to work. That is, banks don't give credit cards to people who can't pay back debts in the future. I got a credit card because I found a good deal from a list of credit cards at
youngandthrifty.ca. Of course, before I contracted with the bank of my choice, I talked to someone who understands finance. That is, I was prepared for all the questions the bank representatives had. But what did you do before you got your first credit card?