Finally got a credit card / myLot

@lady1993 (27224)

Philippines

July 7, 2022 6:46pm CST

I always said I would never get one since I do not like loans, but I finally caved.

I'll definitely pay bills on time though so I do not incur fees. Hopefully there won't be any unknown transactions since i hear those happen to people sometimes.

8 people like this

9 responses

RasmaSandra

@RasmaSandra (79236)

• Daytona Beach, Florida

8 Jul 22

I got in trouble with credit cards in my young days and now I only use a debit card, Best of luck to you with your credit card,

2 people like this

RasmaSandra

@RasmaSandra (79236)

• Daytona Beach, Florida

8 Jul 22

@JimBo452020 I never keep cash around and so when I have some pennies in the bank I get things with my debit card. Everything I make goes from site to PayPal to my bank,

2 people like this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

@RasmaSandra I have both now but I rarely use my debit card for physical purchases.

I just get scared it's gonna get hacked or something.

1 person likes this

DadangAR

@dad212r (26)

• Indonesia

14 Oct 22

@sharon6345 Good job

celticeagle

@celticeagle (165725)

• Boise, Idaho

8 Jul 22

Here's hoping you have a good experience with your new card. Just be sure to check your statements and you should be good.

1 person likes this

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celticeagle

@celticeagle (165725)

• Boise, Idaho

12 Jul 22

@lady1993 ........You only get your statement once a month.

lady Di

@lady1993 (27224)

• Philippines

13 Jul 22

@celticeagle oh, the outstanding balance isn't updated daily?

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

I've read some horror stories about that. I'll probably check my statements daily.

1 person likes this

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allen0187

@allen0187 (58582)

• Philippines

8 Jul 22

Just remember to use it only for important purchases. Also, pay the full balance every time.

1 person likes this

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allen0187

@allen0187 (58582)

• Philippines

12 Jul 22

@lady1993 good to know.

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

For sure, I'll probably pay at once.

1 person likes this

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stanley777

@stanley777 (9402)

• Philippines

8 Jul 22

never had one in my life, hope all good things happen for you.

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

I really hope so too.

1 person likes this

Akaninyene Etuk

@akanetuk (2135)

•

10 Jul 22

Credit card can help ease the financial pressure, but make sure you build your income to that you can offset the loan. Good luck

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

Thanks, I'll definitely pay for every purchase so I won't have to pay for debt/interests

Jhana

@solidcodes (1764)

• Philippines

8 Jul 22

Damnation to credit cards Number one reason people go poorer lol

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

Yeah, if that person has no self control. Most of my friends with credit cards always pay on time, which is good.

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

13 Jul 22

@solidcodes not if we pay on time though, and manage to avoid annual fees.

1 person likes this

Jhana

@solidcodes (1764)

• Philippines

12 Jul 22

@lady1993 You better use DEBIT card not CREDIT card. With CREDIT card you are making the bank more richer.

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rsa101

@rsa101 (38125)

• Philippines

8 Jul 22

Use it wisely, and it would be best if you could pay the remaining debt as soon as you can. Be cautious when making online purchases as well because you could be conned there. Just make sure the website is trustworthy and secure before using your card. Your credit card could be a blessing for you if you can manage it correctly, but if you use it carelessly, it could become your biggest liability.

1 person likes this

lady Di

@lady1993 (27224)

• Philippines

12 Jul 22

So true, I'm getting a credit card that has a paired online card with a different card number - just to make online purchases safer.