I wonder how those credit card sales personnel can survive. There are so many banks and so many people selling the same thing - credit card. And not many people that can actually afford to have a credit card. It is not as simple as swipe and just leave it like that. Toward end of the month, you still need to fork out the money and pay the bank or else, they will charge you an interest which is throat cutting amount. I rather apply for payday advance with minimum interest if I have to rather than applying for credit card and then think of how to buy the disability insurance for one of my friend..