Credit Cards

There was once a day I had a real hard time with using a credit card. Not that the card was difficult to use, but because it was too easy to use. It was also too easy to get and I wasn’t disciplined enough to keep the debt paid down. I was one of those people that saw something I wanted and since I had a credit card I just bought it. Didn’t even think about having to pay it off having 0% credit cards. Figured I had time, but eventually that grace period for the interest rate ends and you start to get some big time charges that minimum payments no longer dents every month.

Eventually it began to catch up with me so I was forced to bear down and get those things paid off before my credit was shot. I had to take advantage of 0% balance transfers just to give myself a reprieve from the interest and pay these charges down. I got out of it, but it was a learning experience. Now I know how to use cards and they are no longer a right, but a privilege to me.