Credit Cards are Good...
| • | For identification (required for train/air tickets, movie tickets) |
| • | As a safer substitute for cash. |
| • | For automatic record keeping. |
| • | To consolidate many purchases into one payment. |
| • | To save money when you can take advantage of a good sale or offer. |
| • | For placing orders easily by mail or phone. |
| • | When you have leverage against the merchant when a problem arises. Your dispute/claim will get prompt attention when the merchant knows your payment can be delayed or disputed. |
But Don't Use your Credit Card...
| • | As a recurrent temptation to overspend |
| • | To purchase non-essential items. |
As a result you may,
| • | Increase impulsive spending. |
| • | Make payments late or only partially. |
| • | Face bankruptcy. |
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