Applying for a Credit Card Who’d have thought that a rectangular piece of plastic could be so handy? And a credit card (used wisely) is very handy indeed. For starters, it can be safer than carrying around wads of cash because, if it gets lost or stolen, you can cancel and replace it. It’s also a way of giving you some breathing space until pay day, but remember you need to pay it off at the end of each month.…