Everyone knows about credit card. It is the most popular payment tools for us. Created from plastic material and added with security chip, credit card becomes powerful in this decade especially in the rich and developed countries. Talking about credit card always connected with shopping, both on line or off line shopping. Credit card is two faced thing with a lot of good and bad effects.

How can it be? Actually if we use a credit card, it means we borrow money from the credit card issuer. So, we must pay it if the date is fall due. People often don’t realize the fact that using credit card means we spend our money in the future time (usually for next 45 days). It causes many people don’t able to pay it back when the credit card is fall due. It can be a trouble and in this condition, credit card shows its Bad Face.

What is the solution? If you want to use credit card, you must prepare the same amount money (same amount with payment you’ve made by credit card) in the reserved box (maybe save in envelope for sure), put it on the other saved place. So when the fall due is come, you are not confuse about how to pay it back. It is the Good Face of credit card. In this case means credit card only a media for us to spend money saver and easier than a conventional way. You don’t need to bring a lot amount of money if you want to pay an expensive things. Simply just pay with your credit card, and when the fall due come, you just pay it via bank account. It is so simple and safe.

At last, using credit card is good or bad is depending on your wise decision. Use its good face or fear the bad face of credit card. Be wise to be a human.

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