US credit cards, for all their predatory faults, are a competitive marketplace, accessible by anyone able to follow a few steps [0], and provide effectively-fre

US credit cards, for all their predatory faults, are a competitive marketplace, accessible by anyone able to follow a few steps [0], and provide effectively-free 30-to-60 day loans. If someone can't get a credit card in the US, I'd question if they have sufficient financial literacy to take on micro-loans. [0] https://www.creditkarma.com/credit/i/how-to-build-credit-from-scratch#next-steps-develop-good-credit-habits https://www.creditkarma.com/credit/i/how-to-build-credit-fro...