to apply or not to apply?

and i m referring to the credit card.

i've been facing this dilemma for a very long time now. i think it through but each and every time, i'm still at a dead end. should or shouldn't i?

for starters, my main agenda to get one is to purchase things in installments since i don't have much money in hand at a time to buy something pricey in cash & i definitely don't have enough patience to save a few months salary to get that special something i've been eyeing since forever.

besides that, the plastic is so much more convenient to purchase flight tickets online since they're much cheaper in cyber space rather than bought through the counter.

i won't be spending it like crazy though. that's a promise i make to myself. i know my limits on what i can & can not afford. most definitely i can't afford to be bancrupt in my 20s.

but another thing bothers me though. which bank offers the best in credit cards?

too bad finance was never my forte..:(