I dislike debt and I know I can maintain good credit score for my Credit Card, so I have decided to apply credit card although credit cards have many disadvantages. The main reason why I apply credit cards is that credit cards can make it easier to buy thing. I don’t need to carry big amount of cash when I going out or if a company doesn’t accept cash purchase, then I can use my credit card to make the payment.

Every time when I receive credit card statement, I will make payments on time and in full each month in order to maintain good credit score because I know that a positive credit history can enhance my ability to buy a car, buy a house, get a job and etc. Apart from that, the credit card that I have applied has offers additional benefits, such as discounts from particular stores or companies, special insurances and etc.

Personally, credit cards really bring many benefits to me and I have understand the repercussions and responsibilities of owning a credit card. Remember, if you make payments on time and in full each month, then you will never have credit card debt, that is so simple!