I started to hold my own cerdit card when I was 25 years old.... until today I'm still using it but very minimum...usage. I feel convenient to use credit card especially when I go shopping. I always make sure if I use it this month I will pay at least half from the expenses. Don't pay minimum payment which is shown in credit card statement. Keep in mind if we only pay minimum payment it will increase our debt...
Even though credit card give us great convenient and make our life easier but they can also make our life in trouble if we overspending on credit card. First of things that we need to remember is know your credit limit and set your own credit limit. Knowing your limitations could help you stop the unnecessary spending through the use of credit cards.
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