Credit Card, FRIEND or FOE ?

[Deathnote]

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friend kung lay cash on hand
foe kung ting.bayad na

[ßattousai]

friend for me. it depends on the user how he utilize his/her card.

[johnrho]

friend kung layo pa ang cutoff
foe kung due date na...

[kenshin_xxx]

depende man sa gamit, don't use it if wala kay g expect money...

[dReXpYrOs14]

Friend inig palit...
Foe inig ting bayad...

[jabez_rmc]

friend...coz convenient man cya..earn points...and discipline lang jud..

[tg2k8]

Friend kun Smart User.

[wealthyhead]

foe to most

[froi]

depende rjd ag disciplina.

[smartkid]

pwede nato siya matawag nga friend, pwede sad foe.....depende man gud na sa tawo nga nag gamit sa credit card. Dili man nato malalis nga sa karon nga panahon, modern na atong mga pamaagi, reserve kag hotel, or buy tickets or goods online that requires credit card. In other words, Credit card now a days is a necessity. kon pabaya ka malubong gyod ka sa utang pero kon imo na imanage ug maayo, makatabang pa na nimo para maka kwarta ka, and take note, it means using other people's money.
Consider this, kon imo business nag rely sa 5'6 sa bombay, where in you are paying 10 % interest a month (20% for two mos. term), so meaning advantage kaayo sa imong part kung maka avail ka ug credit card wherein you pay something like 3 % in a month