Do you often use your caredit card for any transactions?
By Neriz69
@Neriz69 (1091)
Philippines
June 20, 2007 3:19am CST
When I got my first credit card I was so excited. I used it on all of my purchases. My logic then is to earn rewards points and then pay it in cash. But when the bills came, I opted to pay the minimum ever since then I got stuck with paying just the minimum.
I've learned my lesson the hard way. Now I hardly use my credit card on any purchases unless it's really not in the budget. I don't have any thing against credit cards, but you really have to use it with caution.
How about you what are your experiences with credit cards? How did you manage it. Would appreciate your tips.
1 person likes this
2 responses
@dpk262006 (58679)
• Delhi, India
20 Jun 07
I do use my credit cards but I spend below my means..and just do not over-spend. I also pay my credit card bills (entire amount) well before due date. I also get encashed the reward points, whenever due.
1 person likes this
@jillhill (37353)
• United States
20 Jun 07
I usually pay for everything but occasionally do use a credit card for large purchases where they don't want to take checks. I know too many people that have run into big time trouble spending more then they should as when they are shopping etc. they don't add up their charge cards reciepts and over spend.
1 person likes this




