My Love Affair with Plastic Magic, Credit Cards!

credit cards in the Philippines, money management, credit cards
Hello Ladies! How your weekend going?



Before the weekend’s started, I was browsing my Facebook feed for latest updates in town, and these numerous ads got my attention. It wasn’t a NSFW-kind of ad (well, I wish it was!) but it’s about brands flashing on my screen shouting for their clearance sales this weekend. As expected clearance sales offers a REAL maddening discounts starting 50% to 80% off the regular price, and if you are a certified shopaholic (partly me as certified) your heart will palpitate like you are having a heart-attack. And sometimes you are sweating cold because,


“Hello! It’s the biggest sale of the season!”

Part of me wants to skip work and visit the shop as early as possible…

And still a huge part of me is saying – well you don’t have to. My frugal instinct defenses are way stronger.

Pppfffttt.. I know right.. Sometimes I’m an effin buzz killer.

“But then you have your credit cards! You can use it and you don’t have to cash-out money,” some shopaholic friend says.

“…and that’s what credit cards are made for,” she continued.

Well I admit she have a point (partly).

*****

Which makes me think, “Damn she’s right… I have eight (8) cards with me, and what the f*ck am I doing with it?” It only causes bulkiness of my wallet.

But still my responsible frugal instinct never allows it, LOL.

I ended up just be her shopping companion and not buying anything (well except I promised her I will treat her for lunch, which I insist coz I know she will have no more money to pay for her share lunch), LOL.


credit cards in the Philippines, money management, credit cards


*****


My love affair with credit cards started in 2012 when I first moved here in the city, and I’m still a provincial-girl-who-just-accept-by-the-city type of gal. I worked as a Personal Assistant then, and I was tasked to manage my boss personal finances (yeah I could see her purchases, starting from household, office related, to her shopping extravagance, blah blah blah, even her shopping spree for her boyfriend No. 2).

And I was like, how come my boss haven’t paid any single amount of interest from her purchases?
Then I’ve learned her credit card tricks… No matter how big your bills are, never ever pay your bills via instalment plan. Always pay it in full amount (or pay it in full with excess) and pay it 3 business days before the cut-off.

She told me that there is no other good rules. And it works!

I’ve learned some trick-and-trade of personal finances from her (though she’s kind of bitchy, but I like her that way), and for that I thanked her.

credit cards in the Philippines, money management, credit cards


That same year, I applied for my first credit card – the LJC-RCBC Bankard. I remember it’s the card with the lowest credit line of Php15,000 during that time, and with faster approval (which I don’t know why exactly).

So I filed my application online, and after 7 days my application was approved and delivered after 10 business days!

I tell you honestly – I felt like my life (and my status) got change when I received my first ever credit card!

Seriously, you won’t admit it at first but when you think about it, IT IS REALLY CHANGED YOUR LIFE.

YEY Baby! I CAN FINALLY STRUT AROUND MY FAVORITE SHOPS, AND CONFIDENTLY SHOP!


credit cards in the Philippines, money management, credit cards


And take home these flashy beauty bags! OOohhh Emmm Geeee!!!

Hey hey STOP


credit cards in the Philippines, money management, credit cards

I’m talking about your first credit card that you personally applied, not the supplementary card that your parents handover to you.




*****


Having your first-ever credit card is something that you should be proud of. Why?

It means that someone, have entrusted you – believes in you in terms of handling your personal finances.

Having your own credit card, is a stepping stone of being financially independent and to learn to take your financial life more seriously, more responsibly.

It is indeed a milestone for everyone.

It is not about having it and start swiping it left and right… Having a credit card is about TRUST.


credit cards in the Philippines, money management, credit cards


My Momma said before, “You don’t need credit cards. You’ll be ended up IN DEEP DEBT for using it, so better pay cash.”

As a stubborn, little bitch – I didn’t believe my Momma (sorry Mom! But I still Love you!)
I find out myself if these speculations are true enough.

Rules of having a credit card is very simple. You don’t need a degree to understand its principles.
Your credit card application was approved because, the bank believes that you are credible, based on your submitted documents. Once your cards is in your hands and start using it, it is our responsibility to return the favour – that is paying our credit card bills on time. Because if not, the bank has the right to charge you certain interest, and so on and so forth.

I honestly agreed with it. That’s what I signed-up for. Crystal clear.

I just don’t understand why most people can’t handle or maybe still don’t know how to play their credit cards?




credit cards in the Philippines, money management, credit cards


I applied the principle I’ve learned from my former bitchy-lady boss, and I am thankful that it became part of my system now. I always pay in full (well actually, I always pay with excesses) and always paid three (3) business days before my due date.

I make sure I won’t have any slightest little delays on my payment, and maintain my good financial record, so that in my future transactions – the bank could see I’m a good payer. That I’m credible.

And it works!!!

I applied for other credit cards, and BAM! My applications approved so quickly and smoothly!


credit cards in the Philippines, money management, credit cards


Then I realized while I’m writing this blogpost, I’m owning Eight (8) plastic magic credit cards! And recently got my AMEX, woot woot!!

I think I deserve to brag… well I worked my ass on it. I treat my credit cards as investments. I’ve invested to have a clean and pretty bank financial record, and for that simple reason I am most proud of myself.

Sounds funny for some, but I take personal finances more seriously.


credit cards in the Philippines, money management, credit cards

And I believe every women should take it seriously, whether you are a blue or white collar job, or just a sassy Momma at home.

Every woman should know how to play our credit cards properly, and be a winner!

So ladies, how do you manage your own credit cards? Have you tried to get one? What are your credit card stories? Share it here with us! I would love to hear it!


If you have any inquiries on personal finances, I would be happy to share you my sassy tips.


xoxo, Blair


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193 LOVES AND COMMENTS:

  1. I wasn't sure what you meant at first by plastic magic cards!!! But, I soon got to understand what you meant, and your article made me smile, as I am a lover of the plastic magic card, and shopping, too! Karen

    ReplyDelete
  2. This sounds like something from Confessions of a Shopaholic one of my favourite books and movies.
    I own one credit card only and q store card. In South Africa getting online approval for a card is rather risky due to online fraud.

    ReplyDelete
    Replies
    1. Yes, Verushka! This is inspired by Becky Bloomwood... also my favorite book and movie and it's still relatable nowadays. I have lots of credit card management stories that I've experienced and I'm excited to share those too soon on my next posts :)

      Delete
  3. These are great tips, you should write more about credit cards! Would love to have one, one day!

    ReplyDelete
    Replies
    1. I will, I will! Hahaha thank you for visiting!

      Delete
  4. Hey Frugal Shopaholic Sister! I am frugal and a shopaholic myself. I greatly agree with your tips. I got my first credit card in 2012 and very thankful that my mother taught me to always pay in full. Sadly over time, I got carried away haha! Anyway, I am now working my way back to NO credit card debt--any tips? :)

    Much love,

    www.KatrinaJeanCarter.wordpress.com

    ReplyDelete
    Replies
    1. Hey Frugal Sister!

      Another thing I've learn when using my cards, is taking advantage of those reward points. So I have this supermarket joints who offers rewards point for each shopping... eventually, I've been paying my groceries (and makeup too!) for FREE just using my points I've earned with my credit cards :)

      It was so fun :) You should try too!

      Delete
  5. I have 2 credit cards and as soon as I go in minus, I replace the money. I am afraid of racking up credit card debt :(

    http://www.saccharine-soul.com/

    ReplyDelete
    Replies
    1. You are right. Credit card companies are so devious with interests (heard it to my friends) so I've learned to play it wisely.

      Delete
  6. Replies
    1. Hahaha I'm glad, I've entertained you Natasa :)

      Delete
  7. Oh my goddness! That´s quite many, haha. Will you believe me, when I say, that I don´t have either one credit card? Haha. Yeah, it´s true, I prefer to use cash only and when I don´t have enough money with myself, I ask my surroundings for help and after that, I will pay them back! :)Lovely photos ◠‿◠

    ♡ * Le blog de la Licorne * ♡

    ReplyDelete
    Replies
    1. Thank you Gabrielle!

      I used to pay cash in all my purchases. But then I realized I have to take advantage its benefits too. Especially if I want to build a good financial record, for long term goal.

      But I still cash for my regular transportation, hahaha public vehicles doesn't accept credit cards yet.

      Delete
  8. I steer clear of cards, because they make you spend waaaay more. With cash you can see how much you spend and a visual helps me stay debt free ha ha. Funny post. Liked it a lot. Can't wait to read more!

    ReplyDelete
    Replies
    1. Thank you Kimberly! Yeah I will share more credit card stories soon :)

      Delete
  9. I used a credit card once and then had to cancel it due to online fraud. Then I decided not to own one. Now i am tempted to own one again :D

    ReplyDelete
    Replies
    1. Hi Jeeva,

      You should get one, and choose a credit card that has will suit your needs. Like getting a credit card with only minimal credit line.. That's what I did at first :)

      Delete
  10. I've avoided getting credit cards, mostly. Just have one (which I need to pay off, thanks for the reminder!) Why do you have eight? That seems a lot! I'd be terrified of losing one or it getting stolen.

    ReplyDelete
    Replies
    1. I didn't realized I have 8 now not until I write this post! I have one for every expenses. 4 are for regular use, and the remaining 4 cards are just backup especially during holidays.

      Delete
  11. I own a credit card. Mainly because it's just easy. And because then I can order abroad. I like it, but don't use it very often.

    ReplyDelete
    Replies
    1. That's my reason at first, but then I come to realize some of its good benefits, like earning points that I could use to pay my goods and its rewarding!

      Delete
  12. Omg @ eight cards. That is lethal. I have an AMEX Platinum like the one you have and a VISA for the shops that don't accept AMEX, two bills is plenty for me!

    ReplyDelete
    Replies
    1. what can I say, the girl can't get enough :)

      Delete
  13. Interesting post. Is America Express popular in your country? In some places AMEX attracts a higher charge for the business so they don't like accepting it.

    ReplyDelete
    Replies
    1. Quite popular also... but VISA is more popular.

      Delete
  14. I've never wanted to get a credit card because I know the shopaholic in me will take over and I'll have no control over it haha!
    Great post.

    ReplyDelete
    Replies
    1. I'm a shopaholic too, but just learned how to manage my cards properly, and always have one or two backup plans to avoid debts.

      Delete
  15. Thank God! I do not have GF yet. Otherwise, I will need to face low money issues :p

    ReplyDelete
    Replies
    1. Ohh you are one generous guy, letting your GF use your credit card!

      Delete
  16. Indeed owning a credit card makes you becoming more adult and responsible... especially if it's on your own account! On the other hand, it's also risky to over-use it . Btw, I love credit cards, but not too many ;)

    ReplyDelete
    Replies
    1. I agree, I didn't realized I have many (only recently)Not all credit cards can gave the need that I needed, so might as well take many of them.

      Delete
  17. haha wow! That is a lot. Happy shopping :)

    ReplyDelete
    Replies
    1. Hahaha thanks Stephanie!

      I actually use only one (1) card for holiday shopping. Others are for travel and contingency use.

      Delete
  18. My Mum always taught me that credit cards are only helpful if you have money already or are making a big purchase like a sofa or car to help with your credit score. It's so dangerous if you start using them for things you know you may not have the money for.

    I loved the little part about your boss though, your writing style is fab. X

    Natasha Kendall

    ReplyDelete
    Replies
    1. Thanks Natasha!

      Yeah, I give credit for my ex-lady boss on how to handle credit cards properly. She's a Chinese lady and very particular with expenses, hahaha I learned a lot!

      Delete
  19. I have some cards too but I pay them off monthly. I refuse to go in debt.

    ReplyDelete
    Replies
    1. That's good!

      Would you believe I never pay even a single centavo for interests? Coz I always pay in-advance. So no debt for me :)

      Delete
  20. I stopped using credit cards years ago but I think as long as you are able to pay off the balance each month, it's fine.

    ReplyDelete
    Replies
    1. Yeah that's right. I though of not having it too, but with this modern days, I think credit card is more safe.

      Carrying cash with me is quite scary, especially during travel. And also gives me convenience on shopping online and also when visiting brick-and-mortar stores. Very easy and gives me a lot of perks too!

      Delete
  21. Hubs and I disagree on credit use. I'd love to pay it all off at once each time the bill comes in, he likes to use them as "cash we'll have, eventually." Quite an interesting conundrum in the end.

    ReplyDelete
    Replies
    1. Hello Meg,

      That's funny! But in the end both of you have to agree on something especially with payment terms. Oh just recently my boyfriend sents me his extension card, which he said I should use for my online shopping, hahaha. I told him I'm going to use it this coming Christmas season. At least he will pay it my purchases :D

      Delete
  22. Ahh you're a woman with a key to my heart! I actually have my degree in Finance and have worked as a personal banker and investment advisor... I think credit cards are a great way to not only develop responsibility but fiscal savvy; as long as one knows how to properly use a credit card - the benefits are insurmountable. I love rewards credit cards (cash, travel, etc). Thanks for sharing!


    xo
    AH

    ReplyDelete
    Replies
    1. Hahaha thank you!

      With my reward credit cards, I sometimes shop using my earn points, bought plane ticket (first class!) for free, watch movies, etc. only using my reward points! Its really cool!

      Perks of paying my credit cards on-time, and avoiding interests. Hahaha I think my credit card company loves me too :D

      Delete
  23. Lessons they should teach students in high school!

    ReplyDelete
    Replies
    1. Totally Agree!!! Teach them early and learn how to manage their finances at the early stage.

      Delete
  24. LOL this is a great post! I do like credit cards with benefits and cash back offers. However, we don't keep very many so that they don't cause us to go into debt and we can stay on top of our spending.

    ReplyDelete
    Replies
    1. Hello Jehava,

      Its okay to have many, as long as you can track all your expenses. Being a responsible cardholder is a key, and staying away from shopping temptations.

      Delete
  25. Very entertaining. I love your images, too. I remember when I got my first credit. Oh my! lol They can be dangerous!

    ReplyDelete
    Replies
    1. Thanks!

      Yeah its scary, but I overcome it, and now I feel confident with my expenses :D

      Delete
  26. Lol this was great. I try to stay away from credit cards. But this was a good read.

    ReplyDelete
    Replies
    1. Thanks! But when you travel, it is best way to have at least one (1) credit card.

      Delete
  27. I got my first credit card when I turned 21 years old. It was a good step up into adulthood.

    ReplyDelete
    Replies
    1. Yes! I felt liberating when I got my first credit card. Its like I've overcome that fear, and the idea of someone being trusted is quite fulfilling. Now I have 8!

      Delete
  28. Hahaha I use to love my magic plastic cards!!! Now I'm a tad bit wiser now that I'm older lol

    ReplyDelete
    Replies
    1. As we grew older we become more responsible, and alert with the worst situation, lol

      Delete
  29. I am shopaholic and credit cards are my saviors! Thanks for sharing the great tips!

    ReplyDelete
    Replies
    1. You are welcome Ana! Cheers from fellow shopaholic!

      Delete
  30. Excellent tips. I love your picture it makes me laugh.

    ReplyDelete
    Replies
    1. Thank you Valerie! I'm feeling glad that you like them :D

      Delete
  31. I'm a cash only girl. I pay for all of my store purchases with cash and don't even own a credit card.

    ReplyDelete
    Replies
    1. Paying cash is also good too. I pay cash when I ride any kind of transportation, but I don't bring bills only small changes.

      Delete
  32. Having a credit card is definitely not to be taken lightly and the more we move away from money, the easier it is to spend it when we can't really see it with our own two eyes. Although your post was really positive and I congratulate you on being responsible with your finances!

    xx Heather | stormywheather.com

    ReplyDelete
    Replies
    1. Hello Heather,

      I don't understand why still many are afraid with using credit cards. That some find it or treat it like its a bad or inconvenient plastics. Or many because these people have experienced and happily used it because to the point like there is no tomorrow and they fucked up.

      Having a credit card no matter how many it is in your pocket, is a responsibility. And a good test to ourselves - if we are such a huge spender, or just an easy wise shopper who knows the word CONTROL.

      Delete
  33. Credit cards do come in handy. It's great that you avoided the urge or should say minimized your expenses and picked up the lunch tab!

    ReplyDelete
    Replies
    1. Hello Rose,

      The moment I applied for my first credit card, I know that I am ready for the responsibility. And these cards came to me because am a good customer, and a responsible one. That's why I am rewarded :)

      Delete
  34. I couldn't agree more! I'm also a Shopaholic and love the idea of using credit card wisely! But wow u have 8 cards~ thats quite alot ��

    ReplyDelete
    Replies
    1. Hello Ann,

      Yeah it became 8.. well actually its 10 now! LOL
      But most of them are not yet activated. I've only got it for emergency purposes. As long as its not yet activated then am not receiving any charges.

      Currently am using 3 cards regularly.

      Delete
  35. I've always wanted to have one, but I'm so scared of the commitment. But then, after married, I ended up getting my husband's credit card (he willingly gave me one of his). HAHA

    ReplyDelete
    Replies
    1. Hello Zayani,

      Yeah committing to something is quite difficult (like marriage). BUT if you are ready, then there's nothing to be afraid of. It's just plastic anyway - with lots of magic!

      Delete
  36. This topic so interesting! By the way I love how you make the picture!

    ReplyDelete
    Replies
    1. Thank you Cecilia! Am using an awesome free app :)

      Delete
  37. Awesome tips. I love your photos, they're so fun. I myself have to be careful with credit cards they can be lethal hehe.

    ReplyDelete
    Replies
    1. LOL okay I understand that you are scared but always remember, that these cards don't bite :)

      Delete
  38. Great tips! I recently just found out that a clean credit record helps in applying loan.. And all these while I'm trying to avoid getting credit card cause I dont't see any good in it other than tempting me to shop more lol lol.. Probably should get 1 soon!

    ReplyDelete
    Replies
    1. Hello Christy,

      Am glad that you've learned something from my post. Nowadays it is advisable that you own a credit card and maintain it like you maintain yourself. If you have a clean credit card record, it will be easy for you to be granted a loan from banks or even when you want to apply to a store cards.

      Having a credit card, when used properly and responsibly will be like your angel in-disguise :)

      Delete
  39. Great post! I like also credit cards benefits! Cool pictures and great tips.

    ReplyDelete
    Replies
    1. Hello Ance,

      Just think about those points you've been getting from shopping everywhere. Then one day you can shop for free by using your earned points. That's AWESOME!

      Delete
  40. Replies
    1. Hahaha thank you dear! My photo app is very helpful in creating these photos :)

      Delete
  41. I too always pay my cards in full, although I pay on the last day, unless it's a weekend. I pay by online transfer from my savings account to my card, so I don't think there will be any glitch. Well, as far as I am aware, there has been none thus far. LOL

    ReplyDelete
    Replies
    1. Hello Emily,

      That's practical, you go girl! You are smart spender :)

      Delete
  42. Damn girl, 8 credit cards? I only have one! Then again, I don't have any money soooo...
    I do know a few friends who are up to their ears in debt and I am not about that life. Just stay smart!

    ReplyDelete
    Replies
    1. Hello Jessica,

      Thank you dear and I will! Am ready for these babies :)
      PS most of these are back-up cards. Am currently using 3

      Delete
  43. Good tips for those who splurge out. I stick to 2 cards both must have a great discount with it.

    ReplyDelete
    Replies
    1. I agree Cindyrina! So before finally applying a credit cards, you should also conduct research about the cards you are eyeing for - like its benefits, if the card will gives you more perks or not, etc, etc.

      That way, you can wisely use your cards and also benefited with it using the reward points they give.

      Delete
  44. huhuhu... cute pictures and great tips... confessions of a shopaholic your way... hahaha....

    ReplyDelete
  45. Im super happy when I receive my very first credit card! Enjoy those loyalty points, discounts and shop whenever you want!

    ReplyDelete
    Replies
    1. Hello Jacqueline,

      It was fantastic right?! I just checked my card and good news! I am entitled for a free staycation for any 5-star hotels that I like :) Yehey! All came from the points I've collected.

      Delete
  46. Yea my ex gave me the same valuable advice also this helps you to get in good terms with the bank if you want to apply loan next time. Faster approval because of your good payment records

    ReplyDelete
    Replies
    1. Yeah, and no more worries and it does uplift your spirit when it makes your loan approved easily.

      Delete
  47. LOL. I just love how you were honest, funny and gave great tips. I love credit cards and always need tips on how to handle them.

    ReplyDelete
  48. This post made me smile. Im glad Im not the only one who's obsessed with shopping I try max to not use my credit card but I just can't help it haha

    ReplyDelete
    Replies
    1. Hello fellow Shopaholic!

      Well I am sooo afraid to max out my card, hahaha so even I have these all, am still very wise in using them.

      Delete
  49. I am so happy i still did not fall on the temptation of that sweet beauty called credit card. I have ideology which says to spend as much as you can afford. But your article express the real situation with many people. Tnx Martina Kara

    ReplyDelete
    Replies
    1. Thank you dear...

      Maybe I just practice the art of control, so I have no problem with my cards.

      Delete
  50. I am still following the ideology "Spend as much as you can afford' so still a fan of debit card. Nevertheless, your article is extremely beneficial and express the reality for many people.

    ReplyDelete
  51. I love how interestingly you write. Unfortunately my father's 10 credit card back in 90s nearly made us homeless.He obviously had no idea about how to use it.So I don't own a credit card.It's too traumatic.

    ReplyDelete
    Replies
    1. Hello Amrita,

      Am sorry about your Dad's bad experiences with credit cards. I agree that there are still a lot of people are having this kind od trouble with cards. Let's just say that being irresponsible is another company's business - hahaha its true! So in order to beat them, we must be responsible with our cards.

      Delete
  52. Oh the love of Plastic Money & Yes, 'Confession of a Shopoholic' is my all time fav movie. It's so tough to be frugal when you have the super-power of credit cards in hand ;)

    ReplyDelete
    Replies
    1. I know right, you have to learn how to be a Queen in order not to have credit card troubles.

      I will share another post on some trick / hacks how to maintain credit cards.

      Delete
  53. I'm not a big fan of credit cards myself but I know they can be useful, especially in an emergency. Money management is something I will be diligent about teaching my children so they can avoid debt =)

    ReplyDelete
  54. I like your quote "Every woman should know how to play our credit cards properly, and be a winner!", totally agree with you :)

    ReplyDelete
    Replies
    1. Thank you Ivy! Pass this quote to your friends!

      Delete
  55. I love the tip your boss gave. That is the best advise anyone could every give.I am sharing this. Great read. Educational.

    ReplyDelete
    Replies
    1. Thank you Nicole! Credit Cards are not evil. It is how we manage it no matter how many cards we have. The more cards we have, it means you are credible :)

      Delete
  56. Great tips! I believe that it also very important to keep your statement balance under 50% of your credit card limit.

    ReplyDelete
    Replies
    1. I agree Tasheena. As long as you pay them in full, there will be no issue :)

      Delete
  57. I need to use my credit card sparingly because I'm still paying on student loans. I think that credit cards, and managing you finances needs to be taught by parents and teachers.

    ReplyDelete
    Replies
    1. I agree Rose!

      Kids nowadays are so advance in learning, so we need to adjust too for their advancement. A simple savings tricks and personal finance guide is a great help.

      Delete
  58. I have one credit card and it's plenty. I have a great credit score because I never carry a balance. Do you think you would still have a good score if you had less than 8 credit cards?

    ReplyDelete
    Replies
    1. Hello Maya,

      Having a good score is when you always comply it your credit card agreement and payment it always in full. It doesn't matter how many cards do you have.

      Once you applied for another card and you got a faster approval, that's the hint that you have an amazing credit score!

      Delete
  59. I loved reading your article! These are some great tips about credit cards presented in a fun and unique way. :)

    Beth || www.TheStyleBouquet.com

    ReplyDelete
    Replies
    1. Thank you Beth! Keep on exploring our website for more awesome articles and tips!

      Delete
  60. Lol I was like what magic card hahahhaha. I have credit card as well but I am careful with them.

    ReplyDelete
    Replies
    1. Hahaha I remember when one day I told my Dada that I wont use his credit card. Then he said "better to cut it now because you'll not using it" LOL of course I was joking him :)

      Delete
  61. 8 ... wow!!! Ugh I have one I'm working to pay down. I'm not a fan of having a ton but it sounds like it works for you!

    ReplyDelete
    Replies
    1. Yeah, some are only used for special occasions :) I still have two that I haven't use yet.

      Delete
  62. Credit is a necessary evil these days. I personally don't like them, although I do have one.

    ReplyDelete
    Replies
    1. I don't find credit card as evil because it helps me a lot.

      Delete
  63. Shopping is always so much fun! I make sure to always stay on budget though.

    ReplyDelete
    Replies
    1. Hello Krystal,

      Always the best policy, shop on your budget!

      Delete
  64. I'm more of a cash only girl. I pay for all of my store purchases with cash and don't even own a credit card.

    ReplyDelete
    Replies
    1. Oh that' also a good idea. Do you also bring cash-alone when you travel overseas? I prefer cards when I travel because it much safer. And less no hassle from immigration.

      Delete
  65. I am very cautious of credit cards, and hate to use them. I am more of cash pay for it now, or I don't need it type of person. But you do need a least one credit cards to help built payment history or emergency I think. Great post on being a responsible credit card holder.

    ReplyDelete
    Replies
    1. Thank you Keoshia,

      Yeah with my credit cards, I could transact more easy and convenient, plus gives me that authority to deal with my finances, due to my good credit score.

      Delete
  66. Sound like your old job was like working for the Devil Wears Prada! I have credit cards but always pay off my bill in full every month!

    ReplyDelete
    Replies
    1. Hello Emma,

      Yeah you can say that but luckily my former lady boss is quite a bit far from Miranda's image, LOL. She's also cool. A lady boss that requires us to have a TGIF beers at company's cost.. not bad at all!

      Delete
  67. Haha I love your honesty, I used to have a credit card but haven't had one in years. I do miss being able to buy things more spontaneously though!

    ReplyDelete
    Replies
    1. Paying cash is also a convenience but not all the time. If there are ways to enjoy others things that will save you and make you convenient, then why not. Using my credit cards gave me that advantage.

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  68. Cards are great as long as you use what you can afford and pay them off.

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    1. Yes that's the way it is! It is not the fault of the card company if you spend more than you can afford and they charge you interest for not paying. Every card holders wanna be must know that.

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  69. Your boss's tips are great and I love how she said pay it three days before the due date. I also does the same thing and never run to any trouble so far. Thanks for the great insights on personal finance.

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    1. You're welcome Julie, and thank you for visiting my blog! I will share more fun and sassy personal finance soon :)

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  70. When I was in college I got into a bit of credit card debt, but in just a few years was able to pay it all off. I love to shop, but it also feels great to pay off a credit card too.

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    1. That feeling after you've paid all your debts is like acquiring such a great deal of power. It means you CAN and you are independent :)

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  71. I think they are great and if you do not use them recklessly then why not? I love having mine, though I pay most things in cash. My grandpa always said, "if oyu cannot pay in cash, you cant afford it" hahahahahha!

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  72. these are great tips! It is easy to get stuck in the shiny magic and then in debt, paying mind to your spending and bills is important

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    1. That's why we should always be responsible and never forget.

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  73. Haha I finally got what you meant by plastic magic cards. I wish I had been better at handling my credit cards when I was younger. It's definitely going to be something I teach my children, so that they won't be in plastic magic card debt!

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    1. It's never too late Nicole! And thank you for visiting my blog :)

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  74. Credit cards can be really great! They can also be dangerous! You have to be financially smart about them.

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    1. You are right. And not too emotional because emotions can truly drive your spending habits.

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  75. I too have a love affair with shopping and those plastic magic cards. I have learned over time to be more sensible with them for sure:)

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    1. That's good. Learning about being wise on spending can't be learn at school, but from the experience of others. Credit cards are not bad, in fact they are blessings - you just have to use it wisely.

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  76. I felt like that when I got my first one - until I got the bill LOL. I paid mine off last year and canceled it - it was too dangerous for me.

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    1. Ohh am sorry about that. My case, credit cards help me a lot.

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  77. I have one and always keep it paid in full. It offers great benefits.

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  78. I have to confess I am really bad with money so I would not trust myself with a credit card lol. I liked the picture of Blair Waldorf though x

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    1. Hello Ana,

      But you have to learn how to handle your finances because, honestly you will have future problem if you don't. It is part of being adult and responsible.

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  79. Only prepaid cc here! Ran into problems with my first ccs when I was a young college gal, so no more.

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    1. Oh that's also a wise choice. Whatever suits your spending habit.

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  80. You definitely need to be more responsible while having credit cards. I learned so much about personal financing after had my first credit cards.

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    1. I agree! I think proper credit card usage must be teach in school!

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  81. I used to have a love affair with my plastic magic.Then I maxed the up and now owes a lot of money. Pretty much all my income goes into paying off bills.

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    1. That is sad Marielle. But you can always correct mistakes and start again. Never give up easily :)

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  82. Great Post! I had the same trouble with my credit cards. Thanks for sharing.
    XOXO //SINCERELY OPHELIA | NYC Petite Fashion Blogger</a

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    Replies
    1. Thank you for visiting Ophelia. You can still avail credit cards that suits your spending habits.

      Delete
  83. Great post! Credit cards have great benefits and cash back offers.

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    1. I agree! Recently, I've got a free staycation in a hotel by using the points I've earned from credit cards. Yipee!

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  84. Credit cards can be useful for points and building credit scores, but be careful not to go into debt with them! The advice of paying off your card in full every month is the best advice for credit card holders.

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    1. Which is exactly what am doing and I always benefited to the rewards!

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  85. I love the cute little kawaii animals you put on your card. I got my first card in college when i needed it the most but ' got in debt when I lost my job and couldnt pay off my balances on time.

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    1. Oh that is sad. When I was in college, I do pay cash, no credit card. I got mine when I already have a job.

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  86. Well that was an amusing read! I can tell you love your credit card! And what's this, your boss got 2 boyfriends?

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  87. Credit cards can certainly be dangerous. I am not opposed to them in theory. It's not so much about whether it's bad but whether it changes my relationship with money. If it does that, it can be different.

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    1. I just don't understand why money people are oppose to it. I mean, is that also means people can't be responsible???

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  88. I only use my debit card. I am a bit of a shopaholic as well so I stay away from credit cards. I only shop if I know a have the money, and if I want to buy something, I will save money for it. These are great tips for the CC users! As long as you have a clean bank record, why not?

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    1. Thank you for sharing your tips, Ginger!

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  89. I am a credit card holic. I use it for all my transactions, accumulate tons of points and then redeem it for some really cool gifts. Love the cartoons you have created around cards :)

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    1. Ah if only most people knows the greatness of credit cards when used properly. It got lots of benefits.

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  90. Ahah a plastic magic card, so funny! Yes it's true, beeing responsible is the key when using it!

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    1. Thank you for visiting Chiara! You can explore my blog for more awesome stories!

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  91. I do have a credit card, but just one and it's used to build and maintain a good credit rating. I wouldn't want more as I'd spend ALL of the money!

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    1. That's great Elizabeth! When you have a good credit score, it feels so liberating and boost your confidence, because it means you can PAY ANYTHING!

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  92. Credit cards are great when you use them wisely, otherwise, they can really kill your finances. Paying in full is a good tip! I do that as well.

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  93. good post, great information pased, worthy to have read through this, and you have some amazing images to explain it too. as always good read... you sure are a lover of fashion and shopping.

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    1. Thank you dear! But am a responsible shopper. Its hard to earn money and just waste it on irresponsible purchases.

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  94. Loved your article. I learned my lessson with my credit cards the first time. Now I hardly use them only when necessary.

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    1. Hello Cynthia,

      We learn from the mistakes of others, or from our own mistakes. The best part is we are learning and won't do that same mistakes again.

      Delete
  95. I don't leave home without my credit card. Credit card makes shopping online a breeze. Need to love my cards.

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  96. Interesting tips. This reminds me to keep debt and spending in check..

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    Replies
    1. That's right. Better to track everything!

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