The matter of Credit Card!
By ihsanul_aniq
@ihsanul_aniq (1118)
Malaysia
March 25, 2007 11:24pm CST
My friend told me that credit card is for wealth people. So low class government servant don't deserve to use credit card, because it will burden. What do you think about Credit card my friend, does it really help you or just make you full with a debt?
2 people like this
3 responses
@sadgirl_1958 (1088)
• United States
28 Mar 07
Most Americans can easily acquire credit cards and they do! We have a big problem here with people going to huge debts with credit cards. I think it is good to have one card or two to build your credit scores so it is easier to go to the bank and get a loan for a car or a home. But you need to be mindful of what you spend. I always have a policy - if I can't afford it by cash - then I can't afford it by credit card either. If I charge something, I plan to pay it off in one or two months time. I like to use my credit card for certain purposes as the card also offers benefits - for example to rent a car - the credit card companies usually put insurance on the car you rent - so it by far better to rent by card. Some credit card companies provide warranty on products or help you with disputes when you buy something and aren't happy with it.
A credit card is a wise thing to have if you use it wisely Bhai.
@ihsanul_aniq (1118)
• Malaysia
28 Mar 07
As expected from you booboo :) to be honest, i own credit card almost one and a half year. Truly it's helping me when desperately need money to do something. Guess what, i used my credit card for cash advance for my car lol how fool i am to do that. Now i have to spent my years to finish the debt. Not too much, just about $1000. I plan to finish this off this end of year :) i hope i can do that....
@theproperator (2429)
• United States
26 Mar 07
Most anyone can have a credit card, so long as they are able to pay for the purchases they make. I am not wealthy, but I use my card all the time because I don't like to carry cash or pay with checks. I always pay the card off fully when the bill comes, so I don't have to pay interest. It is when you don't budget and let the debt pile up that you get into trouble with credit cards.
1 person likes this
@ihsanul_aniq (1118)
• Malaysia
28 Mar 07
I think if i'm not controlling my credit card, i will be the one you mention nabout :) haaaaa why it's hard to limit the power or buying when we have right to do it...
@ihsanul_aniq (1118)
• Malaysia
28 Mar 07
It's good to you my friend, i hope i can be like you with disciplining myself for it, but i think it's too hard :) because i already involved with it...somehow i need to control about it.
