How do I avoid credit cards?

Plastic money, or credit cards are a way of taking money as a loan from banks. Credit cards are introduced so that you do not keep cash in your pocket and you can spend as much you want and any way you want. You do not have to think much while spending if you are using a credit card. You can just go to a shopping mall, get the credit card swiped and purchase any item that you like. In order to use a credit card, you need to apply for it in your bank. But is the credit card easy to keep and use? You need to check few things before taking a credit card such as your spending ability and your credit limit. When a credit card is issued to you, it comes with a minimum balance that you can spend within a month. You should keep your spending limit within the credit limit if you want to use the card again. There are many people who think that credit card should not be used as this creates a burden on the owner. It allows you to spend money early and pay it later which disturbs your monthly cycle of spending and there is a possibility of over-expenditure. A lot of people are under the debt of their credit cards. You might spend in case you need but while paying it is not necessary that you are left with cash amount at the end of each month. Even I had a credit card and felt that it must not be used as there is no limit of spending and your debt goes on increasing month after month.

Here are five things that you can do to avoid credit cards:

Conclusion: You will feel yourself lucky if you are not using a credit card as it is just a tension which comes in your life every month. You will have one less thing to think about if you are not using a credit card.

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