Painful experiences from friends made me “avoid” credit cards. I think, card users must have a “cool head”, know how to manage spending properly, and firmly grasp the regulations to avoid risks.
“I’m sorry, I don’t need to open a card.” There was a time when I received 2-3 calls from the bank every day and had to refuse as above, for many reasons.
Popular, attractive with many discounts, convenience of not having to carry cash, refund when paying, easy and luxurious card swiping operation… are the benefits of credit cards. However, even though I have been invited to open a card for many years, I still hesitate to find myself stuck with this payment method.
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| Using a credit card is a payment method with many benefits, but you need to know how to manage spending and understand the regulations to avoid disadvantages. Illustration |
If paying with cash always brings a feeling of “loss” when the money in your pocket flies away, then paying with cash does not have this feeling. Therefore, spending with a credit card makes me lose. Forget about consideration and hesitation, instead swipe comfortably, swipe generously and spend the money borrowed in advance from the bank.
Thus, using a credit card can be the cause of spending more on enjoyment expenses such as food, entertainment, beauty, shopping… Meanwhile, this is not an expense. essential spending, but is the type of spending that needs to be given low priority and must be calculated properly.
In the era of booming consumer-stimulating services, using credit cards can easily become a “breaking hobby” if you are not alert and do not manage your spending well. I have seen many girls in the agency become credit debtors of banks.
At the end of the month, they look at their salary to quickly repay the bank debt, then before the end of the next month they have a deficit, have to “advance” credit, and are increasingly unable to pay. It’s time to receive monthly statements. , many girls are panicked as to why they spend so much. They thought they were saving money thanks to all kinds of incentives and discounts, but unexpectedly they splurged too much and then had to worry about repaying the debt. So I think, if you don’t know how to manage spending, credit cards can be a huge financial hole.
The second reason why I’m still hesitant to use a credit card is because I’m afraid of interest fees and penalty fees (not to mention card opening fees, annual fees, cash card issuance fees, cash withdrawal fees… ). If you forget the due date or pay late, you will be charged high interest rates and have your credit rating due to bad “repayment attitude”. This will affect the approval of school loans. If I need a loan to buy a house, land or invest…
I have a friend who opened many cards at the same time, so he remembered the credit card payment date of each bank incorrectly. Not only do I have to pay interest on the total spending in the month, but I also have to pay a late payment penalty, unjustly falling into the “bad debt” group. I myself am not a meticulous person, plus I I’m busy and often forgetful, so I think I’m not suitable for using the card. Not to mention losing the card or revealing card security is a huge risk, it’s not easy to get back the lost money.
I still think credit cards are a smart, modern payment method with many benefits, but users must have a “cool head”, need to manage spending properly and firmly grasp the regulations to avoid mistakes. risk…
Thu Huong
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