I don’t know if it’s common for people to not have a credit card. Obviously, I don’t ask other people. But we don’t have them. Not a single one. My mom doesn’t have them too, so I guess that’s why I don’t apply for any in the first place. I have received several credit card offers from different companies when I was working full-time in an office environment, each and everyone promising to make my life easier, and even offering fast applications and instant approval so I can use them ASAP. I mean, a new line of credit without the usual two to six week waiting period? Who wouldn’t be enticed?
I thought the temptations will stop when I work at home. I was wrong. It came everyday now, the delicious offers, even those credit cards for people with bad credit. And because I work through the Internet, it was even easier to apply for a credit card online. I just have to fill up an application form, sit back to wait on the result of my application (which I no doubt would be approved. I have a clear record, stemming from the fact that I haven’t owned a card before) and get ready to maximize my spending power. Or not.
So why don’t we have a credit card up to now? I don’t want to risk it. When it comes to buying stuff for my family, I have no discipline. LOL. Imagine how easy it is to just whip out my card and buy tons of things without immediate worries, then be assaulted by a humongous amount of bill to be paid after some time. No, thank you. But for people who have discipline when it comes to spending unlike me, then credit cards, especially credit cards for bad credit, would be music to the ears.
16 Responses
i don’t have credit card too..very tempting …i dunno if we’ll ever consider applying one in the future:)
i had once extension ako ni hubby grabe!! ang dami ko utang 😛
thanks for this post. have no credit card but I’m considering it now..
wag na nuts! madami k nmn cash!
uhm, how do you pay for all the online stuff? ;p
i have a debit card which i used to verify my Paypal with. i only shop on stores who accept PayPal. hee hee
good choice, also if they give free shipping even better 😀
credit card is friend and enemy
ahhahahahah cool definition! i agree!
ako din dati wla akong credit card
ngayun meron na
minsan mabuti ang meron pero ok lang din wala
ahahah safe n safe ang sagot 🙂
none of us owns a credit card too. impulsive buyer lahat except si papa pero he prefers not to own one pa din. 🙂
hehehehehe ako ginawa lang nmn extension ni husband kasi pag wala sya wala kme magamit or grocery….ayaw ako bgyan cash ang nde nya alm mas masarap mag shop pag may card 😛 lol pinutol n nmin….isa nlng may card ngyun 😛 sya nlng :))
credit card is good if you know how to control your self…it’s tempting yes but its very useful during emegrgencies