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A bank issues a credit card in collaboration with some payment processing company. Finally, we collect credit card. To an extent, it might appear that your credit score matters more. But women buy more than men and save half as much. Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more. Most cards give you vouchers, reward points or free movie/air tickets as joining bonus. As this common humour does its rounds, it is true as well. You might want to add a paragraph on that as well. A counselor who promises to reduce your debt or reduce monthly payments to half are working for their own good rather than yours. Many employers offer loans to their loyal employees as a part of motivation package with easy repayment terms; in most cases your payments are taken from your paycheck. Stay away from loans that come with exit fees, a fee some lenders charge you after you pay off your loan.