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  1. #141

    Mag depende jud na nimo sir. Naa ko kaila sige lang jud gamit sa iyang credit card, wala man siya problem with debt. kay magsige gyud siya bayad on time and credit card niya gamit niya sa iyang business nga online.

    Naa pud ko amiga nga kusog kaayo mo swipe walay gamit ang pamaliton. Karon sige pangutang. hasta ako iyang friends dili nami nice ug tagad kay dili naman makig talk nako. huhu

    credit card friend or foe.

    It's both.

  2. #142
    It depends sa mogamit. Credit card can be your friend or your foe. During emergencies, credit card can be your best friend. Pero kung sale sa SM kontra gyud na nmu. Palayo na lng daan gyud.

  3. #143
    Always been a friend to me.

    I don't swipe nor use it if I don't have ready cash to pay.

    All my annual fees are waived (Principal Card Holder) and never paid any interest/finance charges for the past 10yrs of using my card.

    I monitor all promos/perks to take advantage of rebates/points/giveaways, etc.

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