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I personally have made bad financial decisions in the past that led me to have bad credit. I no longer have a credit card, and only use debit cards (or PayPal) for all my online transactions. It takes a while to build up your credit rating.

The first thing you should do is settle your existing, outstanding debts. Pay off all your previous loans and cards. Build up some financial discipline and spend only on necessary matters. If you absolutely need a credit card (for example, if you need to travel for work), then you can look for credit cards for bad credit.

CreditNet is an online resource that helps you to research credit card companies, credit services and compare credit card offers (and more importantly, their interest rates). You should think carefully and make an informed decision — make sure you don’t fall into the trap of escalating credit again!

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