Quote from: Latviand on Today at 03:40:43 PM

Quote from: Ani1985 on Today at 04:39:52 AM

I don't use credit cards anymore because I think credit cards are things that make our finances wasteful, I've been trapped in credit card debt and almost every day I get calls from credit cards, even they often come to the office or home to collect bills, actually I can easily pay off but because I think the debt is too big a penalty so I ask for all fines to be waived.

That's the downside but I've heard that if you use it right, there's a possibility that you can use your credit card to your advantage, don't some credit card company offer some kind of freebies when you use their card, I've heard some offer free airplane ride or something like that, although I'm all for using it, I think it's best to know how you handle your finances first because if you don't know what you're actually doing and you are wasteful in terms of money and/or you don't have a lot of financial income streams, then credit card might not be for you

As of the moment, most of my friends will say that they can buy everything and they can do installments on it, so it means they have power on it, which is why I am scared the most when I do have a credit card, as for sure I would be buying my wants. That is why I always say to myself that I don't want to own a credit card, as if I need to buy something, I should be able to buy it in cash.