Credit card is indeed very beneficial as long as you use it wisely and in control. Even American government encourages its people to use credit card because it is safer and more practical than other payment methods. Unfortunately, many people are out of control in using their credit card and finally they become deadbeat because of credit card. For new beginner, applying for new credit card is perhaps easy but it is harder to maintain good credit score when you have a credit card.
If currently you are in your effort to rebuild and improve your credit card rating, then you must fight harder and take simple yet useful steps as follows. If you really need credit card but you have deep problem with your previous credit card, your first step is applying for secured credit card. The money which is used to pay every purchase that you make is actually yours so when you run out money then you are no longer able to use your secured credit card.
Another step is closing other unnecessary unsecured accounts. This method will help you to minimize your ability to use credit card and it is very good to boost your way in rebuilding your credit card rating.