Agreed! It seems when someone has a problem that could have been avoided, people automatically blame the lender. Why pay the day before the due date? I agree with Consuela, using any credit card wisely, you will flourish. Continue to make bad choices is why you didn’t have good credit to begin with.
Also, if you are REALLY trying to fix your credit – You do NOT take chances or just throw a CC in the trash and you know EXACTLY what is or what isn’t on your credit report EVERY month. Take responsibility for your actions, make better choices.