I remember the first time I got myself a credit card. It was way back when I was working in a telecommunications company back home. Those days it wasn't easy getting a credit card. You had to earn a certain amount of salary before you could even get considered for approval.
I was so happy the day they sent me the notice to collect my credit card. I was beaming from ear to ear, as I have the power to spend! How I regret those words. Because spend I did. And I raked up such a huge bill that I had trouble paying for it at the end of the month. But that didn't stop me, I went on to get another card, again! I ended up with an even bigger debt. That was when I realized that it was time to stop.
So, I canceled my cards bar one and slowly started the long road to paying back all my debts. I made myself a promise that I'd be paying for everything with cash from then on. But don't let that little scary story stop you. You'll just need a little discipline and don't go and buy everything you see and you'll be fine :D So, if you've got great self control then owning a credit card should not be too much of a problem.
Good for you, Nessa. It's absolutely true.. if ur not responsible with your credit cards, it can bring you to financial ruin. Well, maybe not THAT dramatic.. but hey, it happens!
ReplyDeleteI have credit cards in my purse, but I'm proud to say that I hardly use them.
ReplyDeleteNessaaaaaa... sia di KL sudah!!!! Sia ada bawa ikan masin ni. Ko mau??? Mummy sia bilang "kasi lah your friend yang Kadazan tu some ikan masin if she wants." LOL! (I told her about my blogging friends bah. ha ha ha. Teda Internet di rumah kan, so tell her stories about my blogging friends la. :-P)
Credit cards? Don't even begin to mention about credit cards to me. I think they're the ultimate EVIL!!!
ReplyDeleteWell, I guess you can't really blame the cards la, it's the person who owns the cards who are really the culprit. If we practice a little more restraint, then credit cards are not all that bad. Comes in handy for those times when you need emergency cash.
I regret that i have to spend some part of my salary just to pay credit card debts. ISkh...tulah, siapa suruh boros? Sendiri sengsara...
ReplyDeleteOh...credit cards...I am really trying hard to repay mine. I am thinking of cancelling it...my first credit card :( It's not that bad but anyway...
ReplyDeleteShemah - I agree. They say once bitten, twice shy kan :) And I've been bitten so many times already... insaf sudah ni :*(
ReplyDeleteHey Cindy!! Selamat kembali :D Kalau sia tau, siap sia buat banner oh... hehehe
ReplyDeleteIkan masin???!! Tingu berliur suda ni... Baiknya hati ko punya mummy :) Kesian teda internet... bila sia cuti balik Sabah, sia pun macam tu juga la...
Nick - Can't blame the cards... it's definitely the owner's responsibility . Well, with the rate you're going with your assignments, I don't think you'll be needing the credit cards ya... hehe
ReplyDeleteCarol - Bah, sama la ni... tanga2 bulan pokai suda... nasib baik ada assignments bikin sambung nyawa :P
ReplyDeleteLa Delirante - It took me 4 years to settle mine... so, take it easy, eventually you'll be able to pay it all off :)
ReplyDeleteme also used to have 2 credit cards...aiyooo...when spending wah...so nice..when repaying..alamak...cam begagar tangan sia oh...wakakak
ReplyDeletenow both my credit card i buang already..no more cc for me..no more hutang...
Mom's World - It's the spending that's easy. The repaying part tulah yang bikin sakit jantung... hehe
ReplyDeleteBagus la macam tu... suda insaf orang bilang. Sia ni masih pelan2 bayar... tunggu taun 2020 mungkin baru bebas dari belenggu cc.