Here in India, most of the banking services offer credit cards without annual membership fee, sometime lifetime free membership. So is there a catch in those services, am not sure. But there is a debate going on here about whether to opt for those credit cards. As long as you pay the dues in time there does not seem to be any problem. For any overdues there seem to be a harrassment on the customers. It is better to have only a manageable number of credit cards so that you could track down for any discrepancies. Ladies, Take up the poll and please share your experience about having credit card.