Okay, so times are tough, really tough. The truth is there isn't a whole lot of light at the end of the tunnel because quite frankly the economic recovery tunnel is a very long one. So what can we do in the mean time about credit needs?
The truth is that now is when many of us need money, or at least access to it more than we have in the past. Things like groceries and gasoline still aren't free.
I looked into getting a credit card the other day and discovered to my surprise just how difficult it can be to get one. Long gone are the days when there were six different card offers coming in the mail every other day and I couldn't shred them fast enough. These days if you want a credit card you need to expect to pay higher annual fees and higher interest rates in general.
