i know that everybody (almost) have credit cards.  if i haven’t cancelled my credit cards, i might be using four now and might die of credits.  having a credit card is not bad,  although having one must posses a lot of self discipline.  you only use your credit card with the things you need.  at least you have to know the way you spend or how many times you use it.  you also have to know the things that you’re charging with it.  there are some free credit report that would help you in managing your credit card.

 

also, if you’re like me that have several cards,  my advise is you have to compare credit cards. look for the interest rates of different cards, and just try to use one.  there was a time that my salary and my husband’s ends up in paying credit card bills.  what i did is one by one, i eliminated my cards ( he also have credit cards).  although, we didn’t stop using it,  we were able to lessen our expenses.

 

i know that a lot of people are now dependent in credit cards. again for me, i’m not against it.  just be careful in using it.  there are free credit reports out there.  if you’re having problem in managing your debts, please try one.

 

ciao

 

kaikai