do you have a credit card????

Credit cards are very practical but can also be very dangerous! It depends what type of person you are and how you handle your finances. I find credit cards very handy for paying bills so that you can just make one payment every month; the trick is of course to pay the balance in full every month otherwise that's where the trouble can start. Credit cards are great when travelling too. The downside is that it is very tempting when shopping to overspend, after all you have to do is hand over the plastic and there you have it! If used properly and sensibly credit cards are great to have.

i have two credit cards,so every month i must repay my most wages for it,it is very tied and regret , i think maybe i mustnt for credit card when i am interest with it.so i tell my friends with about my feels when they want to use credit card

Credit Cards are great when used in the right way. I make money when I use my credit cards...you can too if you know how. Sounds ridiculous doesn't it? But it's true. I also found a way to NOT pay interest on my Credit Cards. I have been using Credit Cards for years and my credit is rated excellent because of my using them. Too many people do not know the right way to use a credit card and therefore end up in great debt. This is why they blame the credit card companies when it is their fault for not knowing the rules of the company. One must read and understand the fine print. I can tell you how to use a cash back Credit Card to make money. So in answer to your question I say YES Credit Cards are good when used in the right way.

Just like money isn't evil, credit card too does not have any negatives attached to it. Using it one's advantage or disadvantage depends on the user. It is certainly safer & convenient to carry, great to make payments on-line & the cash back offers are a added bonus. If repayed on time you could save 2% on all your expenses. Unfortunately many do not repay the whole amount every month & it's here that the vicious cycle of multiple interests start making life miserable for the card holder. If you have a debit card & do not travel extensively one can do very well without a credit card.

There is nothing wrong with credit cards, what is wrong is the people misusing the credit cards. So many people max out their credits, and declared bankrupt because they are not able to pay the debt. This is a bad habit and it incurred costs for the bank, and the bank will charge higher interests to all the cardholders, so that the bank will not make a loss. Anyway, you know yourself, if you cannot control spending whenever you have money in your wallet, you will not be able to control spending with a credit card.

hi! i used to have two credit cards..the other card actually ask me to renew it but i opted not to renew it.having a credit card always follows the word reponsibility..paying the dues is a responsibiity that every holder must strictly follows or else you'll go nowhere..i opted to cut and stop it because i admit i don't use and spend my card wisely specially when there are sales on malls,i will be tempted to buy something even if i don't have cash on hand its because i have easy money on my card but when the payment's there i almost lost all my cash paying my dues as well as its interest..so i drop the card.

Hello! I have been using credit card for all my life and I believe it's the best way to pay money in order to buy things. With the credit card you don't need to walk with cash on you and the payment is much easier than cash or checks. On the other hand, some people feel that if they pay with a credit card, they can allow themselves to buy more than what they can and it makes people waste a huge nuber of money with no reason. I think people should think before they pay money and they need to buy only what they need. Anyway, credit card is good for people who know how to use it. Have a geat day.

Hi, parthu28! A credit card is like a buy now and pay later. You just have to be careful with how much you spend out of your account. If not, you will be affected by NSF charges. Which isn't pretty at all. I have a debit card that acts like a credit card. I just normally use this to withdraw from my bank account. I don't really use it for purchasing. It is wise to get a credit card with a low interest range. Choose one from your bank, you will be better off. Shop smartly. Keep up with what you spend. Make sure that you have enough money in you bank account so that you don't overdraft yourself. It is all about managing and budgeting.

I don't have a credit card i don't like to have one because we may spend more that what we have later feel it difficult to pay the money back. Many people don't like to carry bundles of cash in their pocket those can prefer to use a credit card but i use a debit card in such situation. Another problem with credit card is that if we lost the card or it is stolen someone can use the card and we may have pay for what others have used.

it depends on your control to your finance, i have a credit card because i need it sometimes to buy plane ticket, i can use it anywhere when i don't bring much money, it have a lot of discount in many store, i can use it in online shop,etc. But first thing to remember that you must control it.

I have 4 credit cards now. Yes they say it is bad etc. but I think it depend on how you use your credit card. It is in the person how he/she handles her account. Me, i only use my card for important matters only and for budgeting as well. I use it on making grocery, so that i can the money for my grocery in other things, then i usually pay partially on my cards about 3 to 4 times before it becomes due, so that it is not that so heavy to pay your card. I think it depends on the person how he/ she handle their own credit card accounts.

Yeah,i have a credit card and i haven't use it now.I just a studen so i do not have ability to cut off the debt.

is what music? Has not listened. I listen to look!

I have the credit card, my many friends said that manages the credit card to be able to spend many money every month.I also thought! But I very good restrain myself. I manage the credit card only am for the time which leaves goes far from home convenient! Therefore I thought the credit card. so long as we utilize appropriately. it has its advantage

Well.Having a credit card is always good.They help you shop even you don't have money.One day i went to a shop to take delivery of my dress.I saw one more dress and it was pretty good to wear on my birthday next month.I asked him to buy it for me.He did not bring money with him.Luckily he had his credit card.We brought it.This way it is very helpful.But you should be very careful about that card.Happy mylotting..

i do have a credit card. 3 in fact. credit cards are only bad if you don't use them wisely. just because you have a credit card it doesnt mean you can spend on whatever you want or lavish on expensive things..that's not right. only spend within your budget and know your limits..and dont forget to pay the charges on time too!

I don't to take money from someone. Hence I don't like credit cards and so I don't have it. I have always preferred my debit card over credit cards. Hence I am using debit card to use my money.

I have had many credit cards, which just seem to get me into trouble. If you have one and make a small purchase and pay it off the next month then it can be great for your credit. However if you are like me and know that you have a balance on there and there is something you need or want and you charge it, that can lead to trouble. I currently have loan for a few thousand dollars that I'm trying to pay off to get rid of the credit card debt. In my case its much better just to use cash.

Credit card is good if you have control on your spendings otherwise it will ruin your life by making you bank rupt. If you have a credit card, when ever you do some purchases you dont have to pay from your pocket straight away but if you forget to pay the bills on time, amount to be paid will acrue and you will end up paying lot. So, if you are sensible enough and understand the usage of credit card go for it otherwise its better to say no.

i dont have any credit card but i using debit card to control all the spending else then cash