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We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. We're on your side, even if it means we don't make a cent.

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To make sure you're prepared when you need it most, I'd suggest getting started today by enrolling in free credit monitoring and getting a grip on your financial situation.

-- California is the worst state for foreclosures, and unemployment and bankruptcy also are severe problems, according to Card

And if you have enough savings to buy upfront, you won't need credit for big purchases, like a new car, either.