why get a credit card?

[gusl]

If your bank account is always in the black, why would you *ever* want to get a credit card?

Comments

[gustavolacerda.livejournal.com]

>But that assumes you know exactly how the credit agencies calculate your rating - a fact >which I don't think is widely publicized, if at all.

But I doubt it's a secret. Even if it is, it can't be too hard to figure it out.