Yesterday I did something I never thought I'd ever do. I applied for a credit card. I'm a little bit afraid of credit cards, all the stories you hear of people spending too much, taking loans to cover their debt and so on. It could easily turn into a downwards spiral to huge economical problems. My reason for applying is simple: I'm traveling much more now and I don't want to use my own bank card if the card gets skimmed. I know it could happen here too. So the card should only be used abroad or in case of emergency i.e if I slip on the icy roads and knock my teeth out.