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Monday, November 12, 2007

About Credit Cards

I’m not against the use of credit cards. Nor think of them as necessary evil. But you can choose to subscribe for it, at your own risk.

But really, credit cards should be used conscientiously. Otherwise, if one is not too careful, there’s the fair chance that he incurs a huge debt even before he can completely say “the quick brown fox jumps over the lazy dog.” But that’s just a matter of discipline. And a matter of choice, too.

But choice, we have lots of that. If you are looking for what-works, there are a number of companies that offer good deals. If you want to test waters, there are 0% credit cards available nowadays, which can offer 0% interest for a certain period of time. Or if you need to switch accounts, there are companies that offer balance transfers, too.

But whatever you choose, this I have to say, nothing beats paying your balance on or before the due date. It is the best way you can take advantage of a credit card and it is very similar to having a 0% credit card for as long as you want.

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