Here in US you cant live without a credit card. Everybody owns a credit card even the simplest people living here. They say the minimum credit cards in every US citizen is two like my hubby he got two credit cards, one for his personal used and the other one is for business used. He doesnt need a lot of credit cards because it will only add up to our mountaineous bills. Its hard to own one if you dont know how to spend wisely, pretty sure you will be in big debt and dont know how to gain your credits anymore. Its important to have good credits so that you can apply for a loan, and have a low average percentage rank, by this it is easy for you to pay your bills. And also almost all of the shops here in US accepts credit cards already. Wonder how they process it? Im thinking of Merchant Advisors who had been in the business for quite a long time, so they are really experts in this kind of matter. They do ACH processing, credit card processing , and alternative small business financing via business cash advance solution for merchants. Sounds complicated huh? I dont understand either. lol. Anyhow, they just dont do that but also they offer a lot of stuff like business cash advance and business loans. Hubby had been trying to apply for a business loan for months now and still havent approve yet. ANyhow it is nice to put up a new business if there are more companies like the Merchant Advisors that are willing to do everything to help you gain profits.