Hi, it's not really necessary to have a credit card. If you need money, you can take out a loan for certain needs. It's only crucial to apply for such a loan from a trusted company with a good reputation, as it's easy to run into scammers in this sphere. For instance, you can find more information on this website - www.first-federal.com/bad-credit-loans-in-michigan. And if its terms & conditions suit you, you can trust them. In addition, if you take loans with bad credit several times and repay the loan amount on time, your credit history will improve. At least it's one of the few companies I've tried. If you have any other questions, you can write to me