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Is the Credit Card really a help for you?

Discussion in 'General Chat' started by kumudumali, Feb 3, 2009.

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  1. #1
    Hi!
    Sometimes I feel that we spend money lavishly by the credit card for unnessassary things as well.
    So...what is your impression on it?
    Is it really helping us? If you say "NO!",what are the reasons for it?

    Thanks for taking time to read this and respond. I look forward to know your idea

    Thanks,
    Kumudumali
     
    kumudumali, Feb 3, 2009 IP
  2. Elvos

    Elvos Active Member

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    #2
    ofcourse it helps my transactions and i pay the full balance amount every month so doesnt cost me anything....
     
    Elvos, Feb 3, 2009 IP
  3. TheNoose

    TheNoose Peon

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    #3
    Same here. It is simply convenient. Also the point systems are sometimes a nice bonus. A free plane ticket every once in a while etc.
     
    TheNoose, Feb 3, 2009 IP
  4. pdmac8

    pdmac8 Member

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    #4
    I try to use it as a convenience but sometimes I need to carry over a balance

    The key is to only spend within your means but to answer your question;

    Yes and No - Sorry :eek:
     
    pdmac8, Feb 3, 2009 IP
  5. willsa43

    willsa43 Banned

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    #5
    No, I don't like to use credit cards, it will make us to spend more money. . Debit card is better than credit card. . :D
     
    willsa43, Feb 4, 2009 IP
  6. atulperx

    atulperx Banned

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    #6
    I think It is better way to make our money safe . We can travel with one car but can't carry to much cash all the time . If you can pay money every month on time than you must use credit cards .
     
    atulperx, Feb 4, 2009 IP
  7. RightMan

    RightMan Notable Member

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    #7
    I keep credit cards only for emergencies and for spending while I am traveling...

    I am very cautious while spending with credit cards as I generally do not like to go overboard and put unnecessary burden on my financial planning....Of course, paying up on time helps, to do away with paying up interests....

    Regards,

    RightMan
     
    RightMan, Feb 4, 2009 IP
  8. maverick123

    maverick123 Peon

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    #8
    Since i always pay(full amount) my outstanding credit card bills before due date, credit card is proving to be very useful financial tool for me. Also i keep strict discipline when it comes to about how much should i spend with my credit card.
     
    maverick123, Feb 4, 2009 IP
  9. kumudumali

    kumudumali Peon

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    #9
    Hi frends!
    It is so happy to to know your ideas on credit cards.I appreciate your cooperation very much.
    Hope you'll be with me in future chats too :)
    Thanks,
    kumudumali.
     
    kumudumali, Feb 4, 2009 IP
  10. apolnest

    apolnest Peon

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    #10
    Sometimes it helps when I need to buy things and I don't want to use cash.

    But other times, when the bill comes and I have surcharges, ugh, makes me wanna trash my room.
     
    apolnest, Oct 8, 2011 IP
  11. kittyluver

    kittyluver Notable Member

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    #11
    Yes!!! It helps me a lot especially in case of overseas money transactions.
     
    kittyluver, Oct 8, 2011 IP
  12. alamlinks

    alamlinks Well-Known Member

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    #12
    Hello,

    You told " If you can pay money every month on time than you must use credit cards." My question is "how much have to pay in every month for credit card?". and the second question is "is it rental OR .. . .. ..?"

    please PM me in details about credit card. Because there is some work where only credit card is accepted.

    Thanks & Regards
    Noor Alam


     
    alamlinks, Oct 8, 2011 IP
  13. poplar

    poplar Member

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    #13
    I don't think so. If there is a credit card, i will pay for the further money
     
    poplar, Oct 9, 2011 IP
  14. BluAzn

    BluAzn Well-Known Member

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    #14
    If you ever going to own a credit card, you must have money to pay it back; if not serious issues arises. Only pay what you can afford.
     
    BluAzn, Oct 9, 2011 IP
  15. Mega B

    Mega B Well-Known Member

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    #15
    I dont have any credit cards i only use debit cards as i always live within my means,for emergencies i always have more than one card with me anyway.
     
    Mega B, Oct 9, 2011 IP
  16. The Webby

    The Webby Peon

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    #16
    For online transactions Credit Card is a requirement for me. I pay the balance in full so never had any problem with it.
    Also, I always keep a tab on how much money I'm spending every month.

    So yupp, its really useful for me.
     
    The Webby, Oct 9, 2011 IP
  17. Moly

    Moly Greenhorn

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    #17
    I don't think so, you must to consider before used it, if is very urgently payments' maybe.
     
    Moly, Oct 9, 2011 IP