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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( of course with good self discipline ).  

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 realize 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 installment to purchase anything, then it would be the highest
interest rate installment 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 rationally? 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 take 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 besides
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 advises 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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