Credit card is very important is some countries. One of my blogger friends in the US told me that she doesn’t want to own one but because it was necessary as a financial credibility, she must have at least one. She also told me that applying for a credit card there is very easy and you can apply many times online. She also told me that because of this, most people there find themselves under a debt relief counseling to help them get out their piling financial obligations.Well, at least they have companies like these that can help them settle and get out. One time I was able to stumble upon www.debtconsolidation.com, I was pretty amazed at their services. They offer a lot of help to those who needs financial debt relief. How I wished they have a branch at our place so that I could avail one too. I have several debts that needs to be settled too!