The only thing worse than getting a nasty surprise is getting a nasty surprise about your finances. For instance, you check your credit score and discover it’s much lower than you anticipated. You wonder, “What went wrong?”

Secured credit cards are great for establishing or rebuilding your credit history. Unlike prepaid cards, secured credit cards give you a credit line, and your payment activity will be reported to the major consumer reporting agencies.

The Chevron and Texaco Gas Credit Card is issued by GE Capital for use at Chevron and Texaco gas stations. Card-member benefits can include 24/7 ATM cash access with the Cirrus symbol, and other special offers.

There are many advantages to having a good credit score. Qualifying for lower interest rates, ability to get approved for loans and lines of credit, and paying less on loans for items such as homes and automobiles to name a few.

Many people are not aware of bad credit loans and they are usually given to people with bad credit ratings — people also believe that once their credit score is bad, their options of getting a loan are finished. Many of them believe that it is impossible to get a loan if you have a poor score on your credit ratings.