The credit card creed
MANILA, Philippines – Credit cards can open a world of convenience for its users. Having a credit card means carrying less cash, being able to spend more and enjoying the perks that come along with it.
But like anything that yields great power, having a credit card also comes with a certain amount of responsibility. Misusing your credit card can have dire financial consequences. As such, having one (or many!) requires self-discipline.
Still, using your credit card responsibly doesn’t need to feel like a prison sentence. After all, it’s your hard work that allowed you to get one in the first place. Here are a few self-affirmations to keep in mind before your next monthly billing statement arrives.
Think before you swipe
Managing a credit card involves equal parts discipline and common sense. Like managing your bank account, it’s important to not spend more than what you have lest you leave yourself in a whole lot of debt.
While the cash may stay in your wallet for now, every swipe is an obligation that must be paid off eventually. Remember, using your credit card responsibly can save you a whole lot of money and stress. – Rappler.com
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