You've been shopping for a card for a long time. You have a rather updated knowledge on the most recent cards with the best interest rates, but you haven't researched them all yet. You begin to be obsessed, referring to your difficult strain to find the perfect card at dinner parties and other various social events.

Your spouse begins to awaken several times at night from the muffled cries that escape your lungs at night about interest rates and credit limits. Then, in the midst of all your struggles, you dream of the best credit card ever.

In this dream, you find a card that has great interest rates. In fact, you pay no interest whatsoever.

Even if you have this credit card forever, there is no time limit in which you get to keep a zero percent interest rate. Even if you make late payments, the interest never increases.

Was there any mention of late payments? Well, in this dream you're having, there is no such thing. Why?

Because with this perfect card, you make no payments at all. The card company does not require that you pay back even a cent of the money that you spend using their credit card. How many credit card companies out there offer that kind of a deal?

None. During your dream you see yourself and your family in vacation spots. You see yourself walking through the mall with shopping bags lining each arm, your newly acquired credit card tightly clenched in between two fingers, and a smile spread widely across your face.

This is a result of the rewards you get with this credit card. If you apply for this card, they match every dollar you spend with rewards points. That means that the very amount you spend on your credit card, that is the amount you get back to use in rewards like gasoline, skymiles, cash, and cruise money.

As you dream you see all kind of people applying for these cards. And shockingly, every single one of them qualifies. No matter how broke, how unreliable, how late, or how poor you are, you can never be turned down for this credit card.

You can have the worst credit score in the history of credit scores, and you still cannot be rejected. Suddenly, as you awaken from your dream, you come to the realization that there is no such card. You are roughly thrown back into reality and forced to settle for logic.

Still, you can still find a good deal on a credit card if you look in the right places. In the real world, we reap what benefits we deserve from the hard work we have done. Looking hard for a good credit card, keeping a good credit history, and knowing what you are getting into before you settle will pay off and give you a credit card that you can handle.

Sure, it would be nice to have a credit card that would basically give you free money. But in the real world, having a descent credit card will help you manage your debt.