Credit Card, FRIEND or FOE ?

[rts1980]

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friend...if you use it wisely.
foe...if you use it foolishly.

I agree!! most people labaw na kato na bag-ohan ug gamit sa credit card, makalimot man sila ug budget and not to be able to use it wisely.. ang sadan jud kung incase mo dako ila byranan is the user man gehapon kay kung pataka sya ug gamit, aw, mamatay sya sa byranan but if he/she uses it weisely, they would notice that's it's a friend to them..

[lorenzoleo]

I suggest, to use debit card. This can create discipline in spending. Find it out yourself. Hehehe!

[rts1980]

yes, agree ko na use sa ug debit card kato wa pa discipline or bago pa sa credit card... through that, makat on jud na ang mga tao labaw na kato nabag ohan pa gamit ug credit card sa unsaon pagbudget sa use sa credit card..

[ieuseerm]

fee! fie! foe! fum! ang credit card kay foe foe foe! gamita debit card ra.

[darkcrux]

@ieuseerm.. i think ang credit cards kay fee fee fee fee fee fee.... ^_^... hehe

[saskee14]

well bro, that's how you look at it man but sa ako,ok ra man cya.. and bahin sa negosyo, gamit jud kaau cya.. ok ra man na debit card but dili nimu ma patuyok ang kwarta ana unlike sa c redit card, mapatuyok jud kay you given enough time para maipon nimu ang imung byran.. so far bro, regarding interest, wa man ka interest as long as you pay it full which i always do.. kung pila ra imung gegasto, mao ra sad ang gepaningil sa bank.. wa man ko nakasuway ge patunganko.. I spent 60,000-70,000 a month and ig check nako sa bill, mao raman ang charge niya. wa man ko ge patungan sa akong bill.. kung unsa ra ako gepalit, mao ra gehapon ako byran.. ang isa ka advatage pa jud para nako is naa ko mga points ma accumulate and makakuha ko mga free items like ipod or flat screen tv..hehehe

preha ta bRo.. la pKu ksuwaY na gPatUngan ug interest ky inig abOt sa aKo biLL akO mn hutDan tanan.. cla nUon alkanse nKO ky m.accumulate mn q dghan pOints.. den kuha daUn rewards.. hehehe

[moz_k2]

so far bro, regarding interest, wa man ka interest as long as you pay it full which i always do.. kung pila ra imung gegasto, mao ra sad ang gepaningil sa bank.. wa man ko nakasuway ge patunganko.. I spent 60,000-70,000 a month and ig check nako sa bill, mao raman ang charge niya. wa man ko ge patungan sa akong bill.. kung unsa ra ako gepalit, mao ra gehapon ako byran.. ang isa ka advatage pa jud para nako is naa ko mga points ma accumulate and makakuha ko mga free items like ipod or flat screen tv..hehehe

maka kwarta naman daan na cla sa pag swipe lang nimo daan
bisan wla pa na interest.
Kanang makita nimo nga nka display nga 0% interest kung CC imo gamiton
nya pangutan.a kung pila ang cash price.
dba makita nimo ang deperensya kung cash imo bayad.

[ckice168]

get smart. use your credit card when you cant get a discount for cash. Example, supermarkets and department stores. when in SME stores, offer to pay cash and ask for a discount. Most of the time the discount is there. 0% lay away plans are tempting but it will eat into your pockets. Its normally the easiest way to fall into credit card debt. Its horrible when you slave away everyday just to meet the payments for your credit cards.

Generally use your credit card WHEN NECESSARY! Cash is king and always will be. Its not painful to swipe with a piece of plastic but its hard to part with cash. It makes for buying things more sensibly and with good thought to a purchase.

Try to keep your cards out of sight in your wallet. Use cash when able!

[guryo123]

dako na au kog utang tungod sa credit card.. huhuhuh...

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