If you don’t have a great credit rating but you still want to have a credit card to use you can check out bad credit  (BadCreditOffers.com)  This site will give you free information on how to repair your credit, which bad credit offers are the best of the bad (does that make sense?) and help you obtain a car, home of personal loan that will be the best that you will probably be able to find.

Sometimes you just need to have a credit card, like to be able to rent a car or reserve a hotel room.  If you use it responsibly and pay your bill on time you will be on the way to rebuilding your credit rating which will eventually give you the opportunity to get a better rate on your credit card.  Just keep track of it on this site.