Bad Credit

I have four credit cards so far but I decided to cut it down into two. I don’t want to be tempted again and suffer the pain of paying a lot of bills. I don’t want to have bad credit credit cards. I always heard from my friends that in US it is must for everyone to have credit card. They should have good history of credit card for them to avail loans. It is hard to have a bad credit loans, but there are still companies who are willing to offer a second chance. It is not too late to change a bad habit.