According to the Federal Reserve, around 43% of people in the country end up spending more than they earn and use their credit cards to finance the shortfall. Piled up credit card debt is a financial burden and does not seem to get off your back easily. Transferring the credit card balance is a great idea that can help you to pay off the existing balance and rebuild your credit score.

A credit card is the quickest way to building good credit. However, the catch is that you cannot get a good credit card without a good credit score. So, how does one escape this paradox of applying for building a good credit using cards that are difficult to get due to a bad credit score?

The credit card application and approval process can take several days. Mostly only after you get the physical card, you can start charging purchases to that account. However, there are a few exceptions. Now, you can find a number of instantly approved credit cards. The issuers of these cards evaluate the credit card application in real time.

Of late, if you have been feeling that your credit card bill has been mounting, then can consider opting for a prepaid card. A prepaid card is more like a debit card but without a checking account. You load the money into the card and use it for making purchases—in other words, no debt and no interest!

Citibank was established in 1812 as the customer division of the financial services of the multinational Citigroup. It was opened as the “city bank” of New York, which later became First National City Bank of New York. Citibank provides commercial loans, personal loans, mortgages, lines of credit, and credit cards to both consumers and small businesses.

If you find yourself frequenting Texaco or Chevron stations to fill up on gas, choosing to get Chevron Credit Cards for yourself is a good idea. For each gallon of gas, you have the opportunity to earn a lot of rebates and rewards by using these cards. With fuel credits in your pocket, you can save a considerable amount every time you fill up on gas.