Credit card dilemma???

Hi.It's actually very convenient to have a credit card as long as you know how to limit or control yourself when puchasing.You only get in trouble if you purchase more than what your earnings can pay.

I use to be a person who swore up and down that I would never own a credit card. Then I was introduced to the internet... O my goodness the things I could buy if i only had a credit card. Well now I have three and I'm doing good, I've only overdrawn one. Also I sell things online and the pay gets deposited right to my credit card so it's convinient. There are no fees on any of my credit cards so really there is no trouble to have unless I over spend which isn't to big of a deal because if I sell something the payment goes right to that balance. Without a credit card there are many options not available to you. Also I have a paypal credit card, an emerald credit card and a chase credit card, not american express or something like that, all mine are linked to checking accounts so I spend my own money not money that I really don't have in the first place. I'm pretty sure those guys charge for your transactions so I don't suggest them at all. I do suggest paypal tho. So far they have been awsome and they give you a percentage cash back when you use it to make a puchase which is much better than being charged for one. :D

I personally have a credit card. For me it is a good thing. I only use it in cases of emergency and pay it immediately to avoid hassles, interests and finance charges. It's good to have a credit card as long as you know how to handle it. My tip is that use it only for important things and pay it immediately.