Have you experienced having one TS?
A credit card is a great help especially when there is an immediate need of financial like emergencies.
But if you don't have the control to use it I suggest that you should not take one. It is still better to earn then buy than buying with a debt.
Basin nagtuo ka TS na ang giingon nila na 3.5% interest is mao ray mabayran nimo. There are so many hidden charges. But if you pay the right amount to them on time you may be excused to those charges and may even be excused to the basic charge which is the 3.5% interest.
But I suggest that if you're not using the card for very important or emergency situations ayaw na lang jud pag credit card. And besides ma tempt pud ka ana nga mupalit or mugasto nga sobra pa sa imo abilidad. Lisod na xa pugngan labi na kung nga makahunahuna ka na "bayran bitaw nako hinayhinay".
Don't get me wrong with this post.. That is an advice. You may take it, you may not.
