Today credit cards are so pervasive that there are credit cards being issued for very specific merchants and for specific needs. At first retail stores began offering their own credit cards. Then gas companies started issuing credit cards for their customers. Now it seems like every merchant under the sun is coming out with offers for personalized and highly specific credit cards. Small businesses such as natural food stores, pharmacies and grocery stores have begum offering their own credit cards. A local ophthalmologist in our area has set up a credit card for his clients so that they do not need to get loans to pay for their laser surgeries. Some plastic surgeons also offer the same benefit by offering a credit card on which patients can put their personal improvements. The list is seemingly endless. Soon credit cards will be issued for such specific needs that money will no longer be necessary except to pay the bills at the end of the month. Is all this diversity good? That depends on how you use credit. In general, having one or two credit cards that are accepted everywhere are all that a person really needs. However, if someone is a loyal and faithful user of the merchandise in a specialized store, then they may want to consider getting that store’s credit card to benefit from any of the privileges that they would be accorded as a faithful client. The choice is really up to you. Having a credit card for a very specific need may be exactly what you need and if so then you should definitely have one, however, if your needs are more general then you would not benefit from having this card in your wallet and should concentrate on the credit cards that have a broader scope.
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