Credit cards, beginning of troubles?

I have when I used to work and it was hard sometimes since having it in my wallet all the time, tempt me to shop even if I don't necessarily need to.After I resigned, I paid it off and cut it. I know it leads to many people suffering big interest due to the temptation! This time, we are only using my hubby's credit card and good thing is he knows well how to use it and he has self-discipline!

I have credit cards and I think it's so convenient to use them. I don't need to carry a lot of money and this is very safe. It's also better for me to purchase things via the net. I like it. I love China

Just one for me and no problems whatsoever so far.

I only have 1 credit card and it was my first one and most probably the only one I'll keep. It teaches us how to manage our finances in a more complicated but efficient way, IF we know how to use it. There are many way to use it to our advantage such as paying in installments or purchasing something that can't be bought by actual cash (i.e. online shopping). But if control is lost, debt will really hurt. 2% to 3% interest is big. Before engaging into credit cards, learn the ropes first.

I have a credit card but i don't have any problems with it in particular. The limit of my card is pretty low -- 500$ so i can't exceed more than this. I think it's really a self control. Some people just happen to buy more than they should like my cousin. He has 3000$ of debt after he broke up with his gf and his mom is suffocating just to pay back. On other occasions, people need it to pay bills and they dn't have much the choice. The best thing is to buy only the necessary and once in a while the junks we want.

hi curious, I use 3 credit cards but I never had trouble using them. The secret is merely keeping track of your spending on your credit cards, and pay the bills in full the time you receive them. I have been using credit cards for years now and I took the advantage of having credit cards, even to the point of waived annual fee. Trouble starts when you keep on using your credit card without minding if you will have the money to pay once the bill arrives. You start your trouble with your credit card once you start paying only the minimum amount due, because you will also be paying for the high interests as well as penalties. Have a great day!

I have my credit card before and it is true that most of the time, even if I don't really need some stuff because I have it, I will just get what I want in the mall..Bad thing! LOL!But, I decided to paid it off and cut if for the mean time after I resigned from work. Now, only hubby has a credit card and he has self-discipline that I do..Good thing!

yes i have a credit card but i am very responsible with it. i only use it to purchase groceries and online items such as airline tickets. i try to pay it in full and on time most of the time to avoid the high interest rates. i have had a very bad experience with credit card debt before when i was a student but that was because of my irresponsibility. i am more disciplined now :)