We live in a world where anything we do; we get rated on our performances. From Primary school, to high school and college, we all rely on a rating system to help us achieve our goals and get to the next level. The same applies for people who have credit cards.

Credit cards are a responsibility and a privilege at the same time. In order to obtain one, it means that you are a working and productive member of society, and have been deemed fit to have a credit card (or credit cards) in your name.

Credit cards are usual tools, we probably use them weekly, if not daily.…