+1 vote
21 views
I started using one last month and I found it as a better option to pay the bills when we don't have enough cash in hand. It gives a grace of one month and so we usually don't end up utilizing our savings..

Earlier i used to think it isnt safe and is addictive. But if used wisely there is no harm in using it.

What is your take on this?
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12 Responses

0 votes
My credit card days are long behind me. I do not have one anymore. But you are right, there is nothing bad about credit cards, as long as you know how to use it wisely. It is the one who uses the card without discipline that brings them problem and puts them in debt. 
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+1
Yes .a wise use within our limits is very important.  Some people over do this and  this is what makes things tough for them
0 votes
I use my credit card when my purchase is more than $20 especially for appliances and gasoline.
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0
Yes...same here...anything costing more than 50 dollars for me .  And the  points we earn are also big 
0 votes
Oh no there are costly to use as their service charge are much more so i avoid 
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0
Here the banks are giving them free of cost without any service charges. So I have started using them now.
0 votes
Yep I guess I will agree with you on that one . I have one but I rarely find myself using it 
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0 votes
I don't have a credit card and I really don't want to own one. I know it can help a lot with necessity when you don't have cash, but I'd rather not spend the money I don't have yet.
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+1
Earlier I also thought the same way . But after I learned about the benefits and the points that can  be redeemed I started using it. Though I use it only when I have the amount I spend with me already 
0 votes
No.. credit card tend to add more stress for me. I don't want to be putting out the credit card and the EMI into the system as well. 
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I understand.  But we are using it wisely to pay the bills which we have to pay in any case then things would have been so better r
0 votes
I use my credit card only when I have to and cannot write a check or pay in cash.
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0 votes
A credit card can come in handy if my cash isn't enough. Plus, I can use it to make online purchases. 
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Yes..In all.such cases the credit card always comes for our rescue and good to use.
0 votes
I am using it for a long time and I do agree using wise is a good option.
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0 votes
I don't have a Credit Card that is why I can't make any comment! Yes, I deliberately avoided teh credit card as it may unnecessarily instigate to spend!
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0 votes
That's good as long as you pay it on time but if you failed, the interest is very high.
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0 votes
I have two credit cards, and I prefer not to use them for  anything unless absolutely necessary 
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