Do you use Credit Cards ??

Hi In my point of view I think there are both positive and negative of using credit card. In the case if you know how to use it correctly that fine like for buying neccessary things in our life and in the case we dont have a cash but we can get money from credit card and for safty reason we no need to carry the cash with us, however,for the case of negative points like if we has no disciplen then we can use it uncorrtly for buying the unneccessary items and then later we might have not enough money to give them later.

I have two Credit Cards and sometimes they really bring me much convenience. But I always try my best to control my desire of consumption and use it as little as possible.

I never carry cash on me - instead I use my credit card for everything, then I pay it off at the end of each month. That way, I get the 55 days interest free for each purchase, but I never have to pay interest, as I only spend as much as I know I'll be able to afford at the end of the month. You can get into a trap paying for things this way though, so it only works if you stick to your budget, and don't spend more than you earn, otherwise you end up paying too much in interest and just end up in debt.

Yeah, I use my credit card, but I usually make enough that I just scrape by enough and don't really have to deal with the interest rates much. As a result, I don't know much about good interest rates and such. It seems like a way that works for you, though. I hope you don't ever get too far in debt!

Not really since the tax they put on is too much

Although I only own 1 credit card, I really take full advantage of the pros of it rather than the cons. I usually make use of it to make money online. It's actually a buy and sell through the net. I am really enjoying the benefits of having a credit card. That is if you really have the discipline of handling it. I was once a victim of overspending my card. Buying things that I really don't need. It even came to the point of reaching the maximum limit. I made it to the point to zero out my credit and start all over again. But this time in a more profitable way. I find ways on how to use it wisely. Now, I'm gaining a lot from my credit card.

i have actually never used my credit card i always use a debit card and that way i am sure that i am not spending more that what i can afford . and actually that keeps a check on shopping i guess debits cards are a boon for a middle class man like me .

nope if i can't afford it I have to do with out I have to say that getting into debt takes forever to get out of it and I'm hoping to get out of it before I die.

i do..but it really gets myself into a bad condition. bcz i am too crazy on shopping by credit card.. and most time..i cant pay back my debt.. i think the better way is keep credit card away.. or dont use them too much..

I don't have a credit card. They are evil with high interest rates. They eat up your money quickly. I am happy that I have a debit card instead. At least I know if I don't have the money for something, I can't get it.

Using credit cards has its own pros and cons. Due to instant cash availability, millions of persons get lured and. A vast majority even in todays environment of information, do not understand the fine print and what keeping a credit card can mean. In the long run it becomes ediction and person ends up in credit card debt. Do not believe. Find out how much percentage of persons in the world's highly educated and advanced country (USA) is under credit card debt. A credit card is useful only if it is used cautiously when other efforts to arrange money fail. Credit card companies are far worse than conventional money lenders.

i hate credit card,couse i always buy something which i cant affotd ,but at last i must pay for it with the interest rate ....

i don't used any credit cards at all, i hate credits due to some interest and i usually used cash every time, i don't want to think about my monthly bills to come im a kind of person who hates credits. i just contented what i have if have money i will but what i want if i dont have then its ok.

If you manage and control over your expensive habits then Credit Cards are very helpful in emergency need of money or purchasing of any product. I maintain 2 CC's and handle them carefully with the timely payments.

I try really hard not to use mine. I am trying to pay it down.

I use credit cards all the time. I don't manage to pay them off each month but I pay them out as soon as I can. It's just silly to pay the banks interest. I NEVER get cash advances...the charges are simply too high.

[i]Hello ivan2000bd, Yes, I have a credit card but I am only using it when it is needed. Here in our country, used of credit card as not as convenient as say in the USA or other foreign country. You should always be vigilant when you used it because it is so hard to complain when some transactions is in error. I have a credit card because you need it when you go abroad. It is a luxury owning one. Regards.[/i]

Yes i use credit card. And i prefer to use card when shopping. Its so convenient for me to do a cashless shopping.

I've never really had a credit card. Probably a good thing too cause they cause problems. They say dont use them unless you intend to pay with in 30 days.

credit cards are power credit tools; provided they are used wisely. Unwise & indisciplined spending will alwayz lead to debt !!!