The matter of Credit Card!

I dong have a credit card and I do not plan to own one. I think I have to discipline myself in this level than disciplining later when things would be too late.

Im not a wealthy individual but I use credit card when I don't want to bring large amount of money. Whenever I buy something I have already the money and save it in the bank then I use my credit card to pay for it. When the statement already sent to me I already have the payment to the billings. I just use credit card because it is safe and very easy to use. Yet I should really have the money before using the credit card to prevent having debt. And also using credit cards has a points if you have a large points then you can get a some good benefits.

a credit card can be for anyone low class,middle class,or high class as long as they pay the minimum every month.

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.

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.

if u think you can make urself diciplines in paying out the money you spent by credit card in whole amount, not partial, then it's good for you,. go ahead with credit card because a lot of good offerings if shop with credit card.
but if u pay less then u spent this month, u dig your own funeral because they apply big interest and re-interest...