I also looked for one that had "never pay it back" as an option, but surprisingly there were none of those, either.

One way to improve your credit rating is to have unused credit; your credit rating in part is based on how much credit you have versus how much you're using. So if you've got some maxed-out cards and need to borrow money, do this: 45 days before you apply for the loan, take out a new credit card and don't use it. That can increase your credit score by 10, 20, maybe even 30 points.

You can find all the Credit Cards you'll need at Cardhub, the easiest and quickest way to sort through credit card offers and pick the card that's best for you. Go there, click on the choices on the left to sort down the credit cards, and bingo! -- right there on your screen are all the cards that meet your criteria, with the details displayed to help you make the choice of the one you want. I did it, and got something like 33 different kinds of cards that I could choose from.

Of course, then I tried to find which one also had "And your wife will let you get one," but none of them would.

Still, you'll probably have even greater choices than I will, so whether you're trying to improve your credit rating, need a little extra money, want to get a business card, transfer balances, or whatever you need a credit card for, Cardhub lets you find one -- easy and fast.