Does All That Mean I Should Keep A Rotten Card, Rather Then Get A Better One?

Definitely not.

• First, get a good card. We're going to show you how shortly.
• Then cancel your old card.

So what if I just don't want to use my card? Should I cancel it?

• If it's a good card, and if it has no annual fee, don't cancel it.
• Simply having the card and using it occasionally can build your credit.
• You may need it for emergencies.

What if I'm turned down for a credit card by the good guys because of my age or lack of credit... Should I go with the bad guys?

Definitely not!

• Go back to the good company and ask them if they would issue you a "secured" card.