Now, more than ever, everyone is in dire need of a positive credit rating. No one can afford to splurge too much and risk having 50 points slashed off their credit score board. But that shouldn’t stop you from getting a credit card, especially if you’re still young. Invest in credit cards that will help increase your credit status. Many people are raving about credit cards for bad credit nowadays since they really help your credit score. But just that one card will not help you along the way to financial security. Choose any credit card like something that’s endorsed as a O Apr credit card.