The question why you want a credit card is actually a big question to some people but not so to others that already having multiple credit cards in their possessions. It is quite normal actually. I, for one, have three credit cards in my wallet right now. Not to mention, the other two debit cards.

So, the above question of why you want a credit card can simply be answered by the convenience it can give you. Firstly, you need not to bring any cash with you especially when going shopping to the big mall. Most, if not all shops, give you the luxury to pay using the credit cards. Secondly, it can save you the walk to the counter when the car needs to fill up at the local petrol station. Probably it can even save you from queuing to the counter. Thirdly, it is so easy to buy things in the internet when you have a credit card. Now these are of course my only observation on why you need a credit card.

Of course in everything positive, there are always the negative sides of it. Before you decide on getting your first credit card, I would like to advice you to compare credit cards among all the banks or among the finance firms that offering them. If you can get the interest free credit cards the better you feel when you go for your spending spree

As always, everything in life should be in moderation. Same goes with your spending. Nothing beats paying your favorite shoe or dress by using cash. Cash term is always better especially in controlling your budget. No money, no new stuff. Remember, some credit cards charge up to 18% per annum. Now, that is a lot. If you forgot about it, it can destroy you. So, use it wisely for it can really make your life easier, the way it should be.

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