Worst Credit Card Mistake

To me, credit card works like cash. Of course I know the banks are offering your credits that you don't have to have the cash in your bank account to make the purchases. But that's not how I view it. I treat it as a way to draw money from my bank account which I have to manually settle it when the financial statement comes. What this implies is that I won't use the card if I don't have that amount of money in my savings. For example, I don't buy an item costing $1000 if I don't have at least $1000 in my savings. I track it so I don't overspend and thus I could settle and clear the debt every single month. So, let me just repeat it again: credit card works like cash for me.

I have both credit and debit cards. Sadly to say, I have fallen to the pit-hole of having a credit card. After mounting high debts on the credit card, I have decided to leave it at home nowadays while I painstakingly reduce the debts.

I haven't had any debit or credit card. I don't wanna get my hands on those cuz i know i'll be spending way more than what i need. I've been dreaming of upgrading my laptop and i'm afraid i might spend a lot of money there using debit card.

I actually don't use credit cards because I have this feeling that I might be victimized by credit card frauds. And also if ever I get one I don't think I'll use it for online shopping.