Time was when getting a credit card was easy if you have the proper credit history to back your application approval up. You only need to choose between Diners Club, MasterCard, VISA and AMEX cards. VISA and MasterCard cater to a larger market base that allows cardholders to make partial payments on all of their purchases. The other two are more like charge cards (though they have evolved to credit cards) reserved to those who prefer paying their last month’s purchases in full and are often considered more of the top of line kind to own. These days the emergence and maturity of the cashless commercial world have created the preference towards plastic cards as the main way of payment. All the Card companies and banks have started to offer credit and debit cards to a wider market that they didn’t have to in the past, which is very convenient.
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