The Credit Fearing

This will be a common stage for the one who never wanted a credit card in the first place. These people feel that being in debt is a crime. They apply for a credit card just because it makes life easier only in some scenarios such as air tickets bookings and overseas purchases. They swipe their card once in a while and it goes unused most of the time.

Such person needs a credit card which not only suits the needs but also have no annual maintenance charges. The credit fearing peoples never make late payments as they are not a frequent user. Hence the interest rate and reward points will not affect them much.