The Reward Zone® MasterCard® is serviced by Capital One, N.A., for Best Buy® customers. Cardholder benefits may include special finance offers, points towards the Reward Zone® program, and online account management. Credit cards can be used online or in stores nationwide and for select countries worldwide.

The Target® REDcard gives rewards and benefits to Target customers. Cardholder benefits may include 5% rewards on Target shopping trips in stores and online, cash back rewards converted to donations toward education, Target Pharmacy® Rewards, SafetyNet card protection, and REDcard Online Management.

The Kay Jewelers Credit Card is available for customers of Kay Jewelers, a division of Sterling Jewelers, Inc. Current cardholders can log into their account to see their account summary, make a payment and more. Kay Jewelers Credit Cards are accepted at Kay Jewelers store locations. Interested customers can apply for the Jared Jewelers Credit Card online.

If you don’t have an established credit history, or if you do have an established credit history but it has some dings, you may need a co-signer to get approved for a loan or credit card. By co-signing a credit application, the co-signer is agreeing to assume responsibility for the debt should you, the primary borrower, default on your agreement to pay the debt.

Just face it, if you are a spendthrift and your credit record is poor or you have missed payments and you have also filled in a lot of loan applications — you are no different from a lot of other people.