Credit cards

I heard a lot people complaining of having credit cards. They are complaining about the high interest rates and finance charges. I have friends who do not want to get credit card. That is why when it comes of buying stuffs online they always asked me to do it and then they will just pay me later. Even traveling abroad where we need to book our hotel and airlines, I always use my credit card. There's no harm of having credit cards. You just need to be careful and responsible on how to use it. Discipline yourself on when to buy and when not to buy. Know the advantages and disadvantages of having credit cards. Credit card can make your shopping easier and it is very useful in case of emergency. In addition to that they offer discounts and rewards like home appliances, prizes, exciting goodies and free airline miles for your earn points. You can also earn cash back rebates and other cash incentives. I've been using it for more than 5 years now and I am happy to say that I have not experience having finance charges. I am good payer and I don't want to spend money that I know I can't afford to pay. We must also be careful about credit fraud because like cash this can also be stolen. If you lose your card make sure to report it immediately. Don't forget to check your bills to keep track of all your purchases.