Plastic Money

I applied for the very first credit card when I got a job after college.

I think there are several merits of using credit card instead of cash.

First, I don’t have to carry a lot of coins while I’m shopping.

Second, I can get cashback rewards from my credit card and I don’t have to pay an annual fee.

Third, I can pay a wide range of bills with my credit card, including internet, cell phone, individual income tax and so on. It’s very convenient.

The problem is, the more rely on the credit card, the sooner my savings is decreased. It’s horrable.

So, I cancelled the automatic credit card payment setting and set up the credit limit less than one-thrid of my monthly income.

Now, I usually use QR code payments, and I no longer have to carry my credit card outdoor.

But it’is still important to keep the card in a safe place.