Credit cards are not bad

Another wise way of saving! 🙂


I’m certain we’ve all heard of how bad having a credit card is. There is always a debate whether it is bad or good. I would say however that it is bad if you are not responsible with your finances. If you don’t have the discipline to control your spending, then stay away from having one because in the end you will become its slave. On the other hand, a credit card can actually work for your benefit. Yes, you can use credit cards to your advantage.
Most cards offer a loyalty program where you earn points whenever you use them. These points can be converted to store vouchers, plane ticket discounts, some even offer a cash back rewards. To take advantage of banks’ loyalty programs, use your credit cards for your shopping. HOWEVER, please do take note to always pay the full amount you before it’s due. Or the…

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