[mariz_macao]

Mostly people are now using plastics for buying, sometimes they have more than one card, though this is not a wrong practice but we have to be responsible in owning one.

We have to manage the manner of using it, so here are some tips of using credit card:

1. If you have more that one credit card, leave the others at home don't bring all of it.
2. If your using it for grocery, at least make a shopping list and mark a limit to avoid over spending.
3. Before buying the item think twice...always differentiate the necessity and wants....if you think you just want it but not really needed...don't buy it
4. Always pay on time to avoid penalties
5. Try to wait for the promos exclusive for credits cards....avail the 0% interest for 12 months promo.
6. If you don't need to buy anything avoid going to mall or supermarkets..

[jacobasan]

Credit cards are more useful and acceptable. there are some tips to using credit card like pay credit card bill on time, do not have many cards, do not borrow on credit cards, credit limit, remember income tax, and do not run on cash back.