Credit cards! One thing I was so excited having when I first got my hands on them, something which I am allergic to this time.
It's been a long while I have stopped using my credit cards because I have long terminated them. Years before, I had three. Now, I have none. Why, you ask? It's because I don't want to stress myself from the calls they torture you when they ask for payment. I have avoided some calls. I also have experienced trying to negotiate because I have this huge balance with them, until such time that I slowly paid one of them, and is struggling to pay another one right now.
How credit card companies offer you this service is very enticing, they just call you, and from where they got your number is just a wonder. Someone from East West Bank just called me this week, to my surprise, offering me an Instant Approval Credit Card, something which I abruptly declined. had they known I have a bad credit history, they wouldn't have offered me something like that.
But I'm not saying credit cards are bad, they're actually very convenient when you do not have cash with you. However, it only takes a lot of will power to resist the power of the sleek shiny card which has the power to buy anything you want in a single swipe. You just have to discipline yourself when you have got this card.
Credit cards are good, but I'm just fed up with them. I just want a peaceful life, and I can have that without these cards. What about you? Do you have a credit card? What is your take on these shiny shimmering splendors like credit cards?