Fact #1: A credit card in itself isn’t bad. Many parents have passed down to their children something that’s more of a myth than a fact: credit cards are evil. They say things like: never open one, don’t even touch one. What they should have stressed rather is that a credit card is only evil if in the wrong hands. Someone should actually open a credit card when they are young, once they know the limits and have the ability to pay it off when due. Building your credit is essential and starting as soon as you can is important. It will maximize the credit limits you can ask for when opening up loans. You never know when you might need to buy a car, and transferring your loan to a credit card to avoid high interest rates can be done if you have excellent credit history.

Fact #2: You can rebuild bad credit in a matter of months with Vivix Credit Solutions. Stuck in a hard spot with bad credit and wishing you had a high credit score? Vivix Credit Solutions has helped thousands of persons in your same situation. For one family, Vivix Credit Solutions restored their credit scores in a matter of months after a devastating foreclosure. Vivix Credit Solutions knows how to help you build credit and can essentially restore lost or damaged credit for you. The myriad of credit services from Vivix Credit Solutions include credit building, credit score removal, credit repair, bankruptcy removal, short sale removal, foreclosure removal, and even late payment removal. That’s not even the entire list. Check out vivixcreditsolutions.com for more details.

Fact #3: You can get approved faster and easier with gas and department store credit cards. This is one fact not a lot of people might be aware of. Instead of waiting weeks for that credit card application to get approved, did you know that you could simply sign up for a gas or department store credit card? Places like Wal-Mart have credit cards with a great rewards program.

Fact #4: There’s always a new offer going on, and the best place to find it is online. Calling a credit card company to apply will often mean high APR% and monthly fees. Check online before you call anyone and match their offers to what they tell you over the phone. If you’re a student, Citibank has a special card just for you. Or if you need a car loan, there’s a ton of different credit cards that are built just for you.