pay by credit card while you have only a pity income?

China
March 24, 2009 1:51am CST
More and more people have one credit card for shopping,but I haven't.I think about there having no use if you earn a little money.certainly you can use it to buy everythings you want and pay back the bank after you have saved enough money.Do you ever want to have a credit card?
2 people like this
7 responses
@maximax8 (30074)
• United Kingdom
26 Mar 09
When I was at university it was very easy to get a credit card. I got one and when I came home from New Zealand I felt quite poor so I went shopping with my credit card. The amount soon added up to around £2,000. I got a teaching contract after that and paid off as much as I could afford each month. It was a happy day when I finally paid all the money and my balance was £0. I think it is easy to get into considerable debt with a credit card but one is worth having if the person pays the full balance every month. A credit card can help a time with little money if the situation will soon improve like what happened to me.
• China
27 Mar 09
Yes,It's easy to get at university.but then i didn't follow them to get one credit card.
• China
26 Mar 09
that is my situation, a pity income and the desire to buy. i always save enough money to buy the cloth or shoes i liked, caz I feel the pressure if must pay for the debt in a period. so, i wouldnt use the credit card unless in crisis situation such as get sick or help someone.
• China
26 Mar 09
Your ideas are sensible.
@ruchipta (15)
• India
24 Mar 09
i don't have credit card with me coz i have no control over my shopping. i shop whenever i am out with friends or whenever i see some goodies in the market so i think having a credit card will make me extravagant which i dn't want to so never ever thought of having a credit card with me.
• China
25 Mar 09
not a good things.thanks for your response.
@zouna5 (566)
• Greece
24 Mar 09
In the past i used to have many credits cards and i was in college without a job.The only income i had was from my mother.She got me my first credit card ,but to use it only in an emergency,because i was far away from home.But i was always in an emergency!!College!!So the next credit card was out so i could pay back my previous card.And the next...I ended having four credits,without an income.Now i have a loan i took for paying them.I "closed" all credits and now i don't have!I believe we should spend the money we have ,without credits!!
• China
24 Mar 09
Yes,exactly.don't let the little card become your burden.
@hcromer (2711)
• United States
24 Mar 09
I got into credit card debt when I had a bad job, now I have a better one and am out of debt. I still use a credit card for many of my purchases, but only because I earn cash back on my purchases so I use the card and pay the full balance off at the end of each month and at the end of the year I get $10+ off my January bill for paying bills and other things I would have purchased anyway.
@Ritchelle (3795)
• Philippines
24 Mar 09
i got to have one credit card only in my life and my aunt had to shout at me to apply for one. i've been brought up thinking that we have not only to make do with what we have but to save for the future.
@ruchipta (15)
• India
24 Mar 09
i dont use credit card as i have no control over my shopping. whenever i go out with my friends and i see some goddies in the market, i feel like buying those things but when i look into my purse i drop my idea. i think having a credit card will make me extravagant and i don't want to be....so to save my self for extra spending i ignore credit card calls.....