My husband and I have not always had the greatest credit. We did things in our past, when we were younger, prior to even knowing each other, that really hurt each of our credit reports. We have since fixed all of those problems over the years and now we get new credit card offers like there is no tomorrow. I am fairly certain that every day in the mail there is a new offer for one of us, if not both. As tempting as it is, I do not want to get in over my head again so I pay very close attention to all credit card reviews. It is so important to know what you are getting into when you sign up for things that have the potential of blemishing your credit report. I don't want to have any further dings on mine or my husbands. That is in the past and we intend to keep it there. I will never be careless with it again. I don't know what everyone else does when it comes to applying for new cards, but if anyone out there has questions about their credit cards or potential future cards, I would look into as much about it as possible. You can never be too cautious.