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I have a few credit cards in my wallet... Why? Because the banks just seem to send them to me, free of charge... So what I do is just to keep them in my wallet, JUST IN CASE! I even get calls off and on, from banks offering me 0% balance transfers, and all other perks of the same, but I seriously don't feel comfortable with it...

Reason being, I hate owing money, therefore I always made sure that I pay off all my balance in all my credit cards by month end... I try not to swipe the cards, but of course it's inevitable... What I end up doing is, always put aside the amount of cash that I swipe, to ensure that I will have the money to pay off when the bill comes... I remember how reckless I was with credit card when I first got them, ending up seeing the amount increasing with interest and all, to a level where I thought I will NEVER be able to pay back... Thank God I did (of course at that time, with the help of my mum), and I swore never to reach that point EVER AGAIN! That explains why I don't feel comfortable with all this 'offers' from banks... But of course with all that said, if you would to ask me to leave house without a card, I would be uncomfortable too... So my feelings towards credit cards are like a love hate relationship! hahaha... I need them, but I don't like them... *roll eyes*

There's so many different schemes/benefits/offers out there, each bank has different kinds to offer, and multiply that with the number of banks/institution, you might go crazy trying to compare credit cards and decide which is the best... But my advice would be to always be careful of your spending, and track them carefully... DO NOT over spend as we don't see the money going out, therefore not realising what we had already spent...

Labels: PPP