Tag: credit card

Practical Advice, Spiritual Reflections

Throwback Blog: I received another credit card?!

IngridNieto.Com

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REMEMBER THAT I CLOSED MY GOLD CREDIT CARD LAST MONTH?

This morning I was surprised to receive a packet from the bank. The messenger asked for my ID so I thought “This is legit and not some random letter. But wait, didn’t I close my card last month? What’s this then? I don’t remember applying for anything!!!” So I asked the messenger and he told me that it’s a credit card inside the envelope.

I ran back to my room and opened the packet. TADAAAA! An American Express card! Shopaholics would usually jump for joy if they receive such a thing, but my initial reaction was PUZZLEMENT. I don’t remember applying for anything! And then the letter goes “the card is active…membership fee is waived for the first year.”

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Practical Advice, Spiritual Reflections

Throwback Blog: Cutting my Gold Card

IngridNieto.Com
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Oh the freedom and the joy! I rarely use it yet pay for the exorbitant membership fee. 

For those who just started working, you may be easily tempted to sign up for a credit card, feeling ever so powerful because you’re earning your own keep.

THINK REAL HARD and have an accountability partner who will remind you if you’re spending too much. There is nothing wrong with credit cards, but take caution because it may end up controlling you. Do not be enslaved by it and drown yourself in debt. Use it wisely.

Should you need to use that piece of plastic, make sure that whatever you charge is something you can easily pay off with cash. Pay your bills on time and in full, as much as possible. Rewards offered by credit card companies can be very tempting, but again… think and pray! Do you really need it? Do you really have to go on that trip? Is it a matter of life and death?

Have a great Friday!