I've thought about it, and I am in a time in my life where I feel safe getting a credit card.
Everytime I've applied for one, I've been denied. I only really want one for online purchases. The only thing I can think of that might be a bad mark on my credit was that I had overdraft on an old account, which every paycheque I used the overdraft. It was always paid back (direct debit) within 2 weeks. Would that affect my credit rating at all?
Please help!
