choosing credit card

Previously, a few years ago I still have an antipathy to use a credit card despite many friends offered it. This was due to see some friends who have used credit cards to get into trouble at the payment date of their credit card billing. Because lack of discipline in keeping spending, some eventually have trouble paying bills on time and due to the growing interest.

But all that changed when I inadvertently read and studied from a mini book containing brief information about credit cards. Inside I was explained about the various types of credit card, their benefits and advantages along with the simple explanation of the latest credit card rules issued by the government.

After reading it, my mind was opened. I then realized that no matter how positive and negative effects from the use of credit card, all depends on our discipline in using it and paying the bills every month so we do not get in trouble with great interest that had accumulated. By credit card we Can control our expenditure every month based on the limit of our card.

In addition, be smart to choose a credit card platform we will apply for. Make it balance with our earning and not overly burdensome. By adjusting the limit based on our income, we will not necessarily fall into debt. We should also choose credit cards that have advantages that provide some interesting features such us low interest rate credit cards that make us remain safe if accidentally crossed the line bill payment dates.and cash-back rewards credit card, which in doing transaction allows us to gain a Cash back. Profitable, right ?.

The disadvantages using credit card firstly based on our undisciplined behavior use the card lavishly and unwise. Not good at choosing good credit card can also trigger problems in the future. For you that ready for having a credit card as your expenditure controller or for secure shopping, once again, be smart to select the most appropriate, and be sure pay the bill on time. Gracias.