I don’t know, well in fact, I’m still pondering on whether I should apply for an online credit card or not. Am I responsible enough to have a credit card? Because I know for sure that having credit cards needs a lot of responsibility, otherwise, we’ll get trapped on a credit card debt problem. And certainly I don’t want that happen to me.

Actually, there are many benefits on having credit cards; mainly is the convenience that they offer. Almost every merchant accepts credit cards today. So you can just carry a small piece of plastic with you, instead of carrying a bunch of cash on you, which is both inconvenient and unsafe.

Having credit cards is good, as long as we are responsible when using it and we realize that credit card is a payment method, not ‘additional money’ that we can use on everything we want to buy. This is the principal that we have to understand. And you should also pay the bills before the due date; otherwise you’ll get charge of some interest and late fee.

Well, as I am writing this, I thing I’m going to give it a shot on having a credit card. I think I’ll be responsible enough for this. Ok, that’s all then, ‘because now I’m going to apply for an online redit card