YAN-PLE's Party Shop
Thursday, February 28, 2008
my credit cards
who can resist credit cards? not me! my 1st credit card was when i was in college, it was an extension from my dad. i used it for my car's gasoline and some shopping, at my dad's expense. when i started working, banks just won't stop sending me pre-approved cards, and i kept on accepting them. haha.

until i realized that i almost maximized all of them. and all my salaries were going straight to banks for payment. so when i finally had that exra money, i paid most of them and just maintained 1 for emergency purposes.

but that was before, now i have a lot again. haha. i really can't resist whenever i received a credit card on my mail. i wonder what's their criteria on giving out pre-approved cards.

but i've read that credit card market has tightened their lending criteria now. blame it on people who don't know how to use it responsively. and i believe that these banks have their own 'blacklist' so they'll know who to approve and not. because it will definitely be their loss once a cardholder doesn't pay.

i had a friend who abandoned her debts because she didn't have money to pay for it anymore. so now, there are legal suits filed against her now. and for sure, she's included in the blacklist. i was telling her to just loan from other banks with lower interest rates so she can pay all her obligations and spare her from legal cases. or she can apply for those homeowner loans available. atleaast you can pay it in installment for a maximum of 30 years. you just really have to budget your money wisely so you can pay everything in order.

credit cards are really tempting, it's just a matter of self-control and being responsible.


posted by apple @ 12:04 AM  
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