tell me sth about your idea of credit card

Well my dear, credit cards maybe useful to some because this could help them buy things they like even if they don't have the money yet. But sometimes some people are abusing the use to the point of not being able to pay and therefore the bank is already running after them. Some of my friends say they are maintaining credit card so they would not carry cash with them and also a proof that they have good credits. Well, that is their prerogative and I respect it. As for me, I really do not buy the idea of having a credit card simply because I don't want to pay the fees needed for maintaining the card no matter how minimal they say it is. And another thing, my policy in life is not to spend beyond my capacity to pay. I have job and my husband as well and whatever we earned, we spend only within its boundary. I also do not need to carry cash when shopping because instead of a credit card I have a debit card from my savings account and therefore whenever I shop instead of paying the cash, it is just debited from my savings deposit account via the debit card. So, no hassles and no worries about payables.

So long as you don't allow the balance to build up, a credit card can be a useful tool. Learn about compound interest, and you will quickly see how much extra you will pay on your purchases if you fail to pay your balance off in full. It's helpfull to set up an automatic payment for your credit card too, it stops you from accidentally forgetting to pay it and having to pay an extra fee.

i do not have a credit card and i think it is no need for me to apply one credit card, there are many people around me , they must go to the bank to pay for the credit card ~!