Credit Card
By smileonstar
@smileonstar (4007)
United States
June 20, 2007 12:18pm CST
There are many people out there have no Idea what Credit card have done to them. there is the bad thing I hate to say, using credit card is not Habit. It is just like borrow other people money to buy the stuff that we need and pay them later?I understand that if we keep paying them on time, then that is different thing. But how if you can't pay them on time!what will bring you to this situation?you have to cut down you expense to pay them... and more over interest and such and such...
I do have credit cards but I don't use them. The only thing that I use is ATM and I feel good that i don't own no one money.however, If I travel and they don't take ATM then I have no choice of using credit card. I hate to see the credit card's bill mail out to me, and I hate to see that number that I owe them. today technology is very cool but you have to think twice on using these stuff. Not even that, there are many people out there keep stealing your credit card to use without your knowledge and then this is bad. So I don't know what you guys think, but Just try to remind you all about this one.
2 responses
@DIXIGRL (86)
• United States
20 Jun 07
Yes a credit card is borrowing money for a purchase... but its the same consept as buying a car or a house. My husband carries 3 credit cards but they are for credit building purposes. He charges every month. i pay off everymonth. Ta-Da his credit score is near perfect in a years time.. This year we are working on actual perfect.
@smileonstar (4007)
• United States
20 Jun 07
that's what I'm talking about... pay off is a good thing. I know what you mean, build a credit is starting up with this. As long as you keep paying everything on time then you will be good. I love what you said, He charges every month and I pay off every month... cool... he spends and you pay! then bills will be in a good shape.
@suspenseful (40193)
• Canada
20 Jun 07
Credit cards are good as it allows you about twenty-five days to not pay for something. So if you pay for it when or before the bill comes due, you are all right. You do not have to feel guilty, because businesses are borrowing all the time and why should consumers feel guilty over something that is allowed for businesses. If you pay your credit card before the bill becomes due, then you do not have to worry, but you also have to know when the statement is made, so you can have the money in your account so that when the credit card bill comes, the amount at the bottom is zero. To keep from having your credit card stolen, keep it in your purse where only you can get it, watch the salesperson, shop only online where there is that small padlock at the bottom and alway shred your receipts.
