Do you feel annoyed by those sales people who bug you to get the credit cards from them at shopping malls? I try my best to avoid them if possible because some of them can be really aggressive and keep pushing me to get their cards. Maybe my face shows “I’m a shopping freak”, so I looked like an easy target. LOL!

But I don’t need anymore credit cards as out of 4 that I have, I only use one of them the most. I want to collect as much points as possible from one card, and see if I can redeem anything special. But if you have bad credit, it’s harder to get a credit card, except Bad Credit Credit Cards. The interest rate maybe higher, but it’s better than not having a card, right?

Credit card can be really useful sometimes, but just don’t over use it. Everyone knows how painful it is if you have lots of credit card debts.

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