Credit Card

Nowadays, I think everyone has known credit card. It’s very useful and comfortable. When we go shopping we can use it instead cash. We can buy everything we want within financial amount.

I use to have it once with financial amount 60,000 baht. Every month I bought everything I want. I bought everything through credit card to got point. I got many points to exchange things such as toaster, suitcase, steam pot, vacuum bottle, etc. In every month I have more expense to pay so I have to separate my salary to pay bill. Fortunately, when I paid bill I always pay all amount. But my friend is different from me. She usually paid in minimum. The lowest you paid the more interest you got. Right now my friend owe to credit card around 300,000 baht. It’s very terrible!!!!!!
Credit card plants me extravagant behavior. Till I have credit card I don’t have any saving money. One day I realized that credit card is like a trap so last year I had cancelled it and I felt free. I always think whether it’s necessary for me or not when I want to buy something.

Credit card is like two-edged swords that exist with both advantages and disadvantages. Therefore, we should to select only advantages and use it with consciousness.

Napaporn