Cash or Credit Card?
Ever since my credit card was hacked, I am somehow threatened and traumatized. As much as possible, I'm trying not to use my credit card anymore and use cash instead. But since I always have my citibank credit cards with me all the time, I can't help but use it still at any time and places.
I have 2 citibank credit cards and I always carry it with me especially if I'm doing shopping because it's less hassle as well instead of bringing pile of cash. I often go shopping and I prefer to use credit card but sometimes, I choose to use cash so I won't bother to think of the bill to pay on the next for the next couple of months.
Sometimes, using my credit cards give me problems especially if there were transactions that I know I didn't make. And even if I'm eligible to file a dispute, it will take a very long time to be solved that's why at times I just end up paying it instead most specially if it's just a small amount.
I'm not sure though if I'm going to give up using my credit cards as well because it really is a big help. Like for instance, I can avail some promos for installment fees with 0% interest. In fact, I just recently bought a new phone and the network provider offers 1 year to pay promo with 0% interest. When I found out about this, I really didn't hesitate to buy anymore because it's cheaper compared to the regular prices at the mall.
Anyway, even if I have lots of charges with the best credit cards that I have, I always see to it that I pay in time so as to avoid late charges that will cost me more. I know I'm responsible enough when it comes to money management because I'm just trying to keep myself out of any debts. Good thing that I am able to organize my stuff including all the bills payment that I have to deal with.
I have 2 citibank credit cards and I always carry it with me especially if I'm doing shopping because it's less hassle as well instead of bringing pile of cash. I often go shopping and I prefer to use credit card but sometimes, I choose to use cash so I won't bother to think of the bill to pay on the next for the next couple of months.
Sometimes, using my credit cards give me problems especially if there were transactions that I know I didn't make. And even if I'm eligible to file a dispute, it will take a very long time to be solved that's why at times I just end up paying it instead most specially if it's just a small amount.
I'm not sure though if I'm going to give up using my credit cards as well because it really is a big help. Like for instance, I can avail some promos for installment fees with 0% interest. In fact, I just recently bought a new phone and the network provider offers 1 year to pay promo with 0% interest. When I found out about this, I really didn't hesitate to buy anymore because it's cheaper compared to the regular prices at the mall.
Anyway, even if I have lots of charges with the best credit cards that I have, I always see to it that I pay in time so as to avoid late charges that will cost me more. I know I'm responsible enough when it comes to money management because I'm just trying to keep myself out of any debts. Good thing that I am able to organize my stuff including all the bills payment that I have to deal with.
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