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Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial.

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Banks and other lenders love to make spending money easy.

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Statute Of Limitations On Credit Card Debt - How To Write A Dispute Letter To Collections - Cover Letters. Some people believe that you should avoid getting a credit card as they generate debt. Checks made spending easier when they were introduced to america during the 18th century, then debit cards made it even easier to access your bank account. Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. Banks and other lenders love to make spending money easy.