Not really sure about this kay as much as possible dili gyud nako gamiton akong credit card kay dako ug interest. I prefer to earn before I spend..
But I think dili ra man tingale, not unless dako jud kaayo kay gukoron jud ka ana, and mobira jud daw na ang mga bangko sa imong gi-tahan. And what's more kay magtubo na ang interest, compounded ha, and mabati na imong records so maglisod na ka ug loan with a very poor credit history.