Credit Card, FRIEND or FOE ?

[puffy_alf]

---

usually mga 1st timers kay pataka lang gamit... then later maka-learn sa mistakes. so gamiton nalang sa importante. (basta maka-sabot lang ang naggamit)

[em_b]

more of a temptation.

[pogy_uy]

more of a temptation.

depends on your financial personality.

[kit_cebu]

friend...

this saved my kasal, panganak bata, opera misis, gatas sa bata...

i will have to work on how to pay all these though....

[Paper_cut]

Friend mana ang credit card if you have firm rules about it. If you cant control your self or if you are an impulsive buyer, then i suggest you dnt get one...^_^

Rules in handling a Credit Card
1. DONT buy what you CANT afford.
2. Think twice or even thrice before you buy something expensive.
3. Keep track of your Expenses
4. Keep your charge slips and check the amounts when the bill comes
5. Pay your bill on time

If you follow those rules, your credit card could be your best friend....^_^

btw, you can call up your credit card company and ask for a waive in your annual fee....^_^ I do this every year...

[pogy_uy]

@paper_cut: how do u do that? i mean... u just call up the card company and ask for the annual fee to be waive? do they have like a requirement or something to qualify?

very interested.

[jabez_rmc]

@paper_cut: how do u do that? i mean... u just call up the card company and ask for the annual fee to be waive? do they have like a requirement or something to qualify?

very interested.

yep that usually happens...you call them and just ask them to waive the annual fee...note that they are even giving it to newbies how much for existing customers...you might want to give it a try..

[jabez_rmc]

both! it can be a friend if u use it wisely, and a foe if you tend to overspend..

i guess the issue now is the owner's attitude towards credit cards and not the credit card itself...

[loner_boi]

my mom wont allow me to have credit cards kay same as 'utang' ra japon na.
she added if i want something, i should save for it.
but i guess it depends on how you discipline yourself in doing the spending.

[Lostsoul]

I think mura siya double edge na sword.. it can be your friend or your foe. depende ra gyd sa pagamit..