I really do feel that owning a credit card is becoming a necessary evil. I mean, how many of you shop online? I know it took some time for people to start trusting online stores, but I think we’ve embraced it as a whole now and there’s no looking back. Which of course means, that in most cases, in order to purchase items online we must have credit cards.

For those who are able to budget themselves and are good with money this isn’t a big problem, but we all know people who, once they get a credit card, begin spending and spending and soon buy themselves into debt.

I was looking at all the UK credit cards available at CardGuide.co.uk and you know what? The have a great article about why a prepaid credit card might be a good idea for those who have trouble controlling their spending habits.

To use a prepaid credit card you’ve got to have money in the first place. You must load the card with that money before you’ll be able to buy anything with it. Say good bye to late payments and creditors calling at all hours!

Those of you who are able to use credit cards wisely might do better with one with low or no balance transfers. There’s quite a selection of credit cards at CardGuide. You might be interested in visiting the site to compare credit cards and see what’s right for you.

While you are visiting the site have a look at their article “Earning with Credit Cards” as it offers some insight into the type of person who should use cards with rewards built in and other ways to earn or save money with credit cards too.