Credit card, is it a good tool in your life?

You may find a lots of opinion on credit card through many websites or articles published on news paper. A lots of people( so called expert in financing ) telling others that don’t use credit card.

A knife is a good tool in your kitchen. It also could be used to kill a person. Why the knife is not totally be banned since it could be used in killing? I treat credit card same as a knife. You may earn more money through credit card. You may also use it wrongly and get bankruptcy. If you use credit card wrongly and make your life in big trouble, please don’t blame credit card. Please blame yourself, blame your own attitude of using credit card, blame your bad habit of purchasing goods. If you use a knife to kill a person, I believe you won’t blame the knife. So why people keep blaming credit card? If you are asking people don’t use credit card, you are like asking people not to use knife. This is totally not the solution for the problem. We all know that you won’t ask people not to use knife in your kitchen. So why are you asking people not to use credit card?

Blaming credit card sounds quite familiar to all of us. This is because we may receive such message from the whole world and the whole world thought the blaming is reasonable. Somebody even educated guy refuse to have a credit card just because of receiving so many bad messages on credit card. You know very well that nobody will be blaming the knife because you never heard such argument before. But actually blaming the knife is exactly same as blaming the credit card. Why you will be feeling weird when I am blaming the knife? Why you won’t feel weird if I blame credit card? Knife and credit card are just two dead object which are used for our conveniences. For me, I will feel very weird if you ask me not to use credit card. This is because I know credit card very well.

You will feel weird if people ask you not to use knife. This is because you know very well on knife, you know what could be done and what could not be done by a knife. You won’t use the knife wrongly. Because you know very well that killing people by using a knife will be a big trouble for you. When comes to credit card, the seduction is so great, to own something which is not affordable at all. And you don’t think it will be a big trouble for you in one day. Or you think you may pay back bit by bit monthly but somehow comes to one day then you realise that you are not able to clear the amount. Then you know you are having a big trouble. If you are this kind of people, then I am sorry to say that, you are not qualified to hold any credit card. If you treat credit card as a monthly instalment to purchase anything, then it would be the highest interest rate instalment plan.

For somebody, before holding a credit card, he was not able to buy let say a set of luxury furniture. After holding a credit card, without much pay/salary increment, he is able to buy that luxury furniture. Is the great seduction making people not thinking rasionally? Or this is just the problem of showing off? Or just love to be treated as a rich man by the promoter? No comment on this. Maybe we need to interview somebody who dare to buy something which is actually can’t afford through cash. I would like to remind that, for an adult, we think of the consequences before we make an action. If you don’t think of the consequences, then you are not an adult.

If you are a full payment cardholder, not paying any fee and charge to card issuer beside enjoying the conveniences provided by credit card, you may apply for more credit cards to earn more through credit card. Credit card becomes one of the good tools in your life. If a financial expert comes to you and advise you not to use credit card, you maybe laugh at his childish argument.

Knife, is it a good tool in your kitchen? It is totally depends on you, on how you use it. Credit card, is it a good tool in your life?



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