do you have credit card?

I do not have a credit card. I got an offer from ICICI bank but yy cousin who was in ICICI bank credit card division told me not to apply for one. He told me many stories where banks charged a lot without any reasons. Like when his friend made payment to the bank they did not post it untill they charged him. But still I want to have one as it has many advantages.

Never! I used to have two of them but I quickly destroyed them by cutting them in half! I'm now in debt because of those wretched things! I'm suffering the consequences and I cannot wait until I become debt free. I'm not going to rule credit cards out altogether though! I mean that, it's probably wise to have just one credit card. You can then use it if you are caught up in some kind of emergency where you need emergency access to funds. Credit cards can get you out of a tight mess like that. I guess you need to do a lot of thinking time before you commit to one. I don't have one right now anyway and I probably won't get one for a long time to come. Andrew

yup i have 3 credit cards haha. i use 2 of them alternately and one of it is just for fuel, to keep track of my expenditure on gas. i know my spending limits and always ensure that i don't overspend. i wont buy if i know i cannot afford it.

hi dear i am using one credit card at a time, i know that if their is abundance of cards , then it is also a problem. and the banks charge much on credit cards but i think it is once in month or in once in year. Prince Sad