There are times in our lives that we don’t have funds and even a single cent could not be found in our pocket. Even we are trying to avoid borrowing some money from a bank perhaps yet we can’t help it, it is because our savings was already used up. But there are banks or credit cards Company that would ask for more requirements, sometimes I wonder if they intended really to lend some money. Although I understand their policy as they want an assurance that their borrowers could pay them before its due time. However if you find it difficult to meet the requirements of a certain bank, there are companies that are willing to assist you, they provide counseling and with their debt help you are always sure that you are in good hands. When I was still working, I have known few companies who are offering credit cards and the like, I always wanted to have one but my husband stop me from getting a credit card for me, he said I don’t have to get one as he already have one and he can always make an extension for me.