All about credit cards

As per wiki's definition of a Credit Card - it is part of a system of payments named after the small plastic card issued to users of the system. It is a card entitling its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

Yes indeed a credit card is this powerful and useful that is why it is a temptation ... especially to those shop-spenders. However, when billing arrives ... that's when reality hits ... you're going to pay a very huge amount out of the expenses that you have made in a month. Some might pay it instantly ... while others will pay it by patches with interest. And while others will be harassed and black-listed because of inability to pay the huge amount of his/her expenditures. By this, we can clearly see the ugly side of using credit cards that people themselves have created. See, there is a good and bad effects that these these credit cards brings to us. So the lesson is to watch your expenses.

What I don't like about credit cards, here in our country, is that there is an annual fee. Gosh!!! that annual fee is of great amount too. Wherein with that amount, we can do some shopping and/or grocery. Some says you can have it waived but there's a condition (speaking to my experience). How I wish that annual fee is given for free lifetime. What condition? that is the credit card company asked me to name at least two relatives of mine so that they can be my supplementary. Gosh!!! for all we know, they will be just be placed in the credit cards company's data bank. So that in the feature they can have the information be sold to another agency. Do they don't know the confidentiality of customers information? No wonder that text and email scams are everywhere and people are no longer safe. That's how life goes now-a-days ... so we should be very careful in giving details and information about us and don't believe in text messages stating that you have won this and that .... Safety precaution first for yourself and love ones.

All About Me!!!

I know that its quite late ... but let me do some introduction about me :)

- I am a Filipina
- I am at my early 30’s
- Happily married
- Have one kid toddler
- Loves to cook
- Have two pet dogs
- Lives in Quezon City
- Eldest daughter
- Loves my mother so much
- Father has gone ahead of us in heaven+
- Currently working
- Loves singing and dancing
- Dreams of being an actress or/ and doctor … but in vain :(
- College graduate
- Loves chocolates, cakes, spaghetti and ice creams
- Loves chatting
- Can do some counseling and giving advices
- Can act as a peace-maker
- Loves to have many friends
- Loves to perform .... but a little bit nervous :)
- Found of playing games
- Likes RNB and pop songs
- Church choir singer too

That’s all folks … and I might reveal too much of myself ;P

Thanks