Stay away from credit card temptation
By omchesunche
@omchesunche (1754)
Indonesia
January 19, 2012 9:57pm CST
As we know that Credit cards such as the seductive temptation. We able to usee it omfortably when shopping anywhere.Meaning, even though we don't have hard cash but we can use credit card every time we wanted to.. Not only that, credit cards offer many discounts at various stores, restaurants or hotels.This sometimes we still keep using it although we have cash money.It really sweet temptation. However, behind it all, credit cards can also cause problems if you do not use it wisely.You made ??complacent by the use of credit cards are easy to make you keep swiping a credit card regardless of the obligations that must be paid at the end of the month. What do you think about this? How to prevent from credit card temptation and avoid over use it?
6 responses
@omchesunche (1754)
• Indonesia
3 Feb 12
Well, thanks for your compliment.. at least that was my hardest part to tackle nowadays..sometimes the theory to control credit card usage sounds really easier than the practicality but that was really hard to control our budget if we have credit card with high limit inside our pocket…Maybe still great things to using it for emergency only and always have cash in our pocket for our needs, especially the one we need frequently like basic stuffs… really appreciate your response..
@omchesunche (1754)
• Indonesia
3 Feb 12
Well, You and your hubby must be having great discipline and really responsible for your financial plan and control the budget properly.. That was my weaknesses and also really hard to say no to our children..Maybe if we can control it properly we do not need to cut our credit card and only own it for emergency purpose or like you said for something that absolutely necessary. Really great to have saving accounts and plan to buy something …. really appreciate your response..
@omchesunche (1754)
• Indonesia
3 Feb 12
Well, you are right.. It seems always easy to have good financial plan and applying with discipline manner..However, I always have problem to manage my credit card bills..I always tend to pay in minimum basis that makes the interest stay high and my debt always exist every month..the better ways to control our credit card usage it could be without using it any more..sometimes better to use hard cash or any traditional method to buy something… really appreciate your response..
@ardoy0731 (7308)
• Philippines
20 Jan 12
Responsible using of credit card should be must to avoid over using it.Using it into something that is not important should be lessen.Indeed it is a great alternate to case but should be used properly and responsible to avoid paying charges in the end when we can't pay the due amount.
@omchesunche (1754)
• Indonesia
3 Feb 12
Well, you are right..that always the main objective of everyone but the practicality sometimes more difficult than theory..If we get tempted to use credit card for whatever reason, it will impact to our monthly bills..Sometimes we must play discipline to our self and becomes more responsible to use our credit card..The problem will always exist if we unable to using it properly. This become worse if we have family since sometimes children always asking something that more expensive than our budget and we can not always say no to them… really appreciate your response..
@yahnee (1243)
• Philippines
20 Jan 12
Credit cards can really be tempting. What you will not buy even with some cash on hand will be hard to resist if you have a credit card. It's on credit and the payment can be done gradually so why not buy it before anyone grabs it? This is our usual excuse when we make use of the credit card. Sometimes, we hardly notice that we have splurged and almost reached the credit limits. I have experienced suffering from credit card payments. If you don't meet the payments on schedule, someone will be there to call you and remind you of the unpaid credit card debt. The best that should be done is not to bring the credit card with you unless you have some specific thing that you are supposed to buy. If you have the credit card in your purse all the time, it would be very difficult to resist the temptation of using it.
@omchesunche (1754)
• Indonesia
3 Feb 12
Well, you are right..that was always the hard part when own credit card.. I always have hard time dealing with credit card bills, it seems long lasting to pay it off and make it zero debt..That the reason I directly cut my credit card when I successfully paying it off..even the sales called me and asked the reason, I said calmly to not require credit card anymore.. really appreciate your response..
