using credit card

[KiaKia]

I don't use credit card and I won't be using it till the end, the debt on that thing is crazy, I've heard stories from old men using credit cards and I don't ever want to be on such a journey in my life, I know that credit card has it's advantage but I never like debts, it never works out for me because I found myself not moving forward.

I prefer using wired transfer for big purchases and Fiat for small purchases, I am good with this, and if the store accepts Bitcoin or other crypto it will even be more interesting, I like using crypto for payment because it's less stressful and more secure than using fiat currency. Everyone is entitled to doing what they feel is right for them but this is me.

[ringgo96]

Currently there are indeed very many companies that have relied on credit cards to get an item we want, and we have seen many credit card users among the public, but I am not interested because by using credit cards we will feel more burdensome when our income is unstable and our obligation to pay credit must continue to run according to the provisions we have agreed, If I really can't buy an item in cash, then I will not use a credit card even though there is a special offer, but in the end there is still a very big burden.

[Aikidoka]

To be honest, I have never applied for a credit card. I prefer to live a debt-free life and avoid the stress of dealing with card interests. I already have a lot to deal with in my life and I don't need those additional worries. Even tho I know that credit cards can be beneficial at times for small online purchases but it's really important to maintain control over your expenses and avoid exceeding your limits.

It's good to keep in my that it's easy to lose control and become enslaved to credit card debt even at an older age. Therefore, it's important to be aware of the risks associated with credit cards and to manage your spending wisely.

If you are a responsible person who can pay off their credit card debts on a monthly basis as soon as you receive your income, then it may be a suitable option for you. However, if you prefer to live a life free from being controlled by the money you owe, then it's better to avoid using credit cards.

[m2017]

~snip

There are no bad tools. There is a lack of ability to use them. A credit card is neither good nor bad. How it will affect your life will depend on how you use it. You have already learned from bitter experience and realized that if you don't control the use of a credit card, then this promises big losses. You overpaid large percentages for the use, right? You need to try to use the advantages and minimize the impact of the disadvantages of a credit card. In general, it is wise to use wisely, and unwise use will be unwise. It sounds a bit absurd, but that's how it turns out.

If you are afraid of getting into debt again, then it is better to switch to using bitcoin.