We have our up's and down's, we can't deny that fact. The wheel of life turns and one moment we are at the peek of things then it turns again and we suddenly finds ourselves at lowest point of our life.
That is how it is...but what matters is that we don't lose hope. We should always bear in mind that in every obstruction there is a possible way out, that in every problem there is a solution. Likewise, financial problems come and go. And more than half of the adult population recognizes the help of credit cards. But not the hundred percent of credit card users maintain good credit rating. At one time or another some forget to pay their bills on time, some did not give much importance to the need to pay back, some may have unwittingly over-splurged disregarding the fact that it is over their capacity...and ended up paying debts, cancellation of credit cards probably, and the like. Not wise but not the end of your credit card days. Some comes to a point in time when they think they simply are not allowable of applying for credit cards anymore. Not true. Because you can actually do credit rebuilding. Yes there is an answer to your prayers! You can have credit cards to rebuild credit. You can go back to those days when you have this utmost need to use it to still buy food and provide for your family though your salary is a little short due to the leave you had to take a few weeks back, or when you had to use it more wisely now and buy the necessary things only to make your business stay afloat as you try to manage your finances.
As I said, do not lose hope. You still have the option to rebuild credit cards. You just have to know where to look (wink!)