America is a very interesting place. When I got here I was looking for a credit card to start building my credit score. No bank wanted to touch me. I was a high risk. No borrowing history and they all wanted a co-guarantor. One bank took a risk with me and I’m still with them today. Recently banks have been sending me open credit cards with very high limits. All they want is for me to sign some papers and voila I can start getting into debt. Luckily I never used credit cards all my life so no thank you. I’m fine with my debit card and a small limit credit card to build my credit history. I just open the mail, see the cards and promptly trash them..