No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I know a credit counseling service appears on your Credit Report, but how much does it affect your score?
No effect on your FICO score. Some here suggest that lenders look down upon it but I haven't seen that problem when I have applied for new credit since I finished CCCS a few years ago. LOL even some of the CCCs that I had in the CCCS are sending me pre-approvals for credit cards. Not interested though. I am a CU and Bill Me Later man now.