I worked in Citibank for 2 years and even though, I still believe that everyone should avoid credit cards. It's still a money you owe no matter what you say. Better if you purchase everything thru cash. You may get credit card dependent...
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I use credit cards for most of my expenses that can be charged mainly because I am not good with cash. If I got it I will spend it.
It's a matter of responsibility - your and the credit card company/bank. Just keep in mind that the banks are planning to make money, and ask yourself: what do I get in return?
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Honestly, you just cant spend Money you dont have, it's that simple.
People think credit cards are like free money or something, it's sad.
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i agree with SrChulo.... using credit cards are just synonymous to borrowing money. you'll just have to pay it later but the bottomline is, you still pay it. you're just delaying it though, which is the only tiny difference.
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they are really really a bad idea,never get one if you can,you either pay them of each month,so then why bother but very few people can do that or you don't then the interest is crazy,even on the good % rate cards the fees and interest are bad,if you haven't got enough money this monthy to pay for what you want, how are you going to make ends need next month with less money because you now have a credit card payment,I have no crds and am keeping it that way.
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I got 2 a visa and a mastercard
The visa is for my day to day use
MasterCard is for online shopping only
I only really use my credit cards and bank card to buy things now. I never have cash on me anymore. I pay all my bills online to, it's a strange world to live in now money is just numbers on a screen now. I never actually handle bills and coins anymore.
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having too much credit cards is kind of synonymous to being broke...
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