Thursday, October 25, 2007

Credit Cards

I am currently looking for the best available credit cards today. I’d like to have one because I’m definitely going to use it in times that I don’t have enough cash in case I am in need of it like emergencies. You’ll never know what’s going to happen so it would be better to be prepared even if you don’t need it at time that you have none when the need arises. There are a lot of banks offering credit cards out there and what I’ll have to do is to pick one which I think would suit me the best.

My friends often told me that there are a lot of cases wherein they face a lot of problems because they are not able to pay their credit card debts. I ask them how come they aren’t able to pay it on time. There are a lot of reasons. Some used their credit cards on things that they don’t really need and (often times) ending up on regretting of using it to purchase those items. I have this one friend who had to go to abroad to earn a much greater income to pay for his credit card debt. He sacrifices a lot and he even ended breaking up with his girlfriend because both of them can’t stand the long distance relationship thing. Imagine, he has to go through all that just to pay for his debts. Well, good move for him because he was able to pay all his debts and was able to go back here in the Philippines but the bad news is that he was not able to win back his ex-girlfriend’s heart. Well, I think one should use their credit card wisely to avoid these kinds of problems, right?

In US alone there a number of bad credit consumers, how much more in the rest of the world. Now are opening their doors to help people who are in this kind of situation to get back on their feet again, financially. These people don’t need to follow my friend’s footsteps in working abroad anymore. This site can be a great help to people with bad credit because instead of grabbing the first opportunity of having a credit card again they can still look for a better one because offers them a wide range of credit cards to choose from. Then you can compare which you think the type of card that suites you. Aside from helping bad credit consumers in choosing the right credit card, they also have home loans, auto loans, and personal loans in case you need any one of them. Probably the best this site can offer is the credit repair - list of other sites which can help you depending on your needs like improving your credit score or consolidating your debt or online debt counseling. Now that the list of bad credit consumers are on the rise, is the right place to go to when you need help on your debt.

As for me, I’ll have to set my mind that I must only use my credit card (if I get one) on things that I need the most and not spend it on all the things that I want. Maybe, this will help me to avoid ending up having a huge debt and not able to pay for it. But for now, I will concentrate first on getting my own credit card.

No comments: