Every now and then, hubby would receive letters from credit card companies inviting him to apply for a credit card. These companies usually offerÂ zero-interest rate, rebates and credit card debt consolidation as marketing strategy to attract more clients. They would even offer easy credit card processing where you can get an activated card within a few days. We already own a credit card and hubby opted to maintain only one credit card account. Our credit card has been very useful to us during emergency situation. I donâ€™t want to sound like encouraging other people to get a credit card, but during urgent situation it will surely help you cope. One thing though, if you own a credit card make sure to use it wisely and donâ€™t use it on impulse.