Believe it or not, I have never tried applying for a credit card nor I have one! Personally, I don’t like any kind of credit in minutes offers- be it in the department stores, online credit offers, or car dealerships. Although it can provide me the credit I need, it can also destroy my financial condition. From what I heard, there are a lot of people who suffered more financial distress after procuring several unpaid credits. First, once you have a credit line most likely you are tempted to spend more than what is needed. And secondly, this “credit in minutes offers” includes with it high interest that accumulates fast in time. So great care should be exercised.