Credit Cards have become a near necessity in today’s society. They make it unnecessary to carry large amonts of cash and make purchasing, renting or placing a deposit simle and quick. Due to this fact the market place is flooded with Credit Card companies looking for potential customers. Credit Card companies send credit card offers to individuals through a myriad of channels, including mail, Internet and telephone offers. Credit card companies offer different promotions in their attempt to recruit new customers such as 0.0% financing and the earning of “points” that can be redeemed for goods and services. Responsible use and ownership of a credit card can help raise a poor credit rating. If considering applying for a credit card it is important to use the card responsibly by spending within your means and paying it off promptly.