Get A Debit Card!
Thursday, April 16, 2009
The convenience of the plastic cards in purchasing things makes us almost can't do without them. All we need to do in buying things is just to swap and sign our names on those dotted line in the receipt. Plus the added sense of security that we feel in which we don't have to carry a large sum of cash around in our pockets further fuels the prolific issuance of the plastic cards especially credit cards.
Not to mention also the fact that we don't have to rush to the nearest ATM machines when we want to get something which is on SALE makes most of us wonder how one can live by without having at least one credit card. But beware, hidden behind such convenience and advantages in owning a credit card is that one can incur a large amount of debt in one's spending.
Since it is so convenient to buy things and without "suffering" and feeling the REAL amount of money that we paid when purchasing items especially large ticket items, it is very easy to get carried away with impulse buying and endless buying sprees.
It is only when we receive the credit card statement at the end of the month that makes us ponder whether we really buy all those stuffs that are listed there. As the sum is so enormous, most of us will end up paying the minimum amount; promising ourselves that we will control spendings in the days to come. There are also some of us who can't even make the card minimum payment and resort to using another credit card to meet the minimum payment required in a concerned card.
Credit card is a very convenient tool invented in replacement of using cash to buy things but it requires a great deal of self discipline and control. Hmm, how many of us can really exercise that all the times? Since we are only human, and we might overspend at times and controlled by our emotions rather logic when we see something we desire to have, it is no wonder that most of us chalk up an exorbitant amount of payment in our credit card spending.
Why not get a debit card for a change? With a debit card, we not only able to enjoy the convenience of the plastic card and its benefits, but also the GUARDIAN ANGEL in the debit card will ensure that we don't go over the limits in our spending. You see, the moment there is no insufficient amount of money in our debit card account, all those purchases that we made will be nullified. It is better to have things this way rather than feeling gloomy and devastated when the card statement arrived !
Posted byLeoCW at 6:21 AM