Having a credit card is very easy now a days, there are many sales officer approaching people in the malls and offering a Free umbrella para mag-sign up sa card.
I can’t deny the convenience it brings, imagine makakabili ka using a small plastic card kahit wala kang dalang cash. But again, charged to experience (and to bank interest), even pala almost 3 years na akong good credit card payer, I am still not exempted sa possibility to accumulate credit card debt.
