Not entirely true, the credit card just sits unless you utilize it, so really you got yourself into this mess not greeting card. There are several pores and skin credit cards for people with bad credit and you could end up qualified for starters.
The best reason for investing in downtown will be the proximity. It is a major city next to Mexico, downtown is bordered with water and highway 5. There really isn't high of land mass in downtown San Diego and quite progressive the downtown area.