I once had a problem with bad credit loans. It took me almost 3 years of paying it. It was so hard for me because it seemed that I was tied with that credit. I could not think of a positive future because of the problem I had. It felt like I was always on the run in terms of finances. It was fine though because I used that money for my family. After a long time I surpassed that struggle. My sister surprised me with a gift. She filed and gave me a credit card. I was glad to have it. It helped my needs when I do not have cash on hand. It really needs discipline though. My other sister does not agree about it. I understand her because nowadays there are a lot of bad credit cards. I see to it that I used it only if I had to.