Are You Scared to Use Credit Cards

[Nomad]

I frequently hear that people don’t want to use a credit card because with credit card, they will not be able to control their spending, and they will end up spending on nonessential things. However, credit cards have a lot of benefits. For instance, you earn reward points with credit cards and you can redeemed these points for gift cards, cash back, or discounts. If you use credit cards properly, it will also help you improve your credit score, which allows you to access various financial services.

 

[Starmix]

Self control is needed, listing what to buy helps the credit card holder monitor his expenses. I am not afraid to use my credit card.

 

[Springtime]

I use credit cards a lot. As you mentioned, I can get cashback, discounts using credit cards.

 

[Sanjeev]

Yes I am scared of the credit cards that's why I don't use them. I don't want to get addicted of them.

 

[eLdavis]

Over here they don't give us credit cards, we mostly have access to debit cards. Most people here haven't even see a credit card once.

 

[mrki444]

I don't use credit cards, just debit cards. I also don't pay in interests than full amount.

 

[Augusta]

Yeah,Credit cards charge interest on outstanding balances, which can quickly accumulate and make it difficult to pay off debt.
Fees it can have many fees, including annual fees, late payment fees, cash

 

[King Belieal]

It is only people that are impulsive with their financial habits that would be scared to use a credit card. Not rational spenders. And it is actually a good thing to be scared if one is not financially prudent.

 

[Starmix]

I have two credit cards, but I have self-discipline. I do not withdraw cash from it , the interest is hard to imagine. I only use of for groceries.

 

[Augusta]

One of the most significant risks associated with Credit Cards is the potential for accumulating debt and I don't want that

 

[Min George]

I have two credit cards, but I have self-discipline. I do not withdraw cash from it , the interest is hard to imagine. I only use of for groceries.

That's the best approach to use your credit cards. Is it zero interests for store purchases? And for how long?