who has a credit card and think it is evil, raise your hand? :)

i believe everyone with at least one card has sometime this feeling. Credit cards are nice, but sometimes it is also better to leave it at home. From the many years of owning my own, i can share the experience of being careful with credit card - after all, who does not like the feeling of having more purchasing power in hand right?

On the other hand, having a card especially when travelling provides real convenience. I even enjoy using it to get cash from ATM, since i don't really like carrying lots of cash everywhere. For example, my bank allows me to withdraw at no fees anywhere (until lately, but that is another story) and i find that real convenient. If you are looking for a credit card that has good benefits/goodies, try to compare credit cards online. some banks even offer 0% balance transfers when you decide to take their services!

i would recommend a short research done on Internet for information. It is always good to get the latest news or tips so that you will be well informed with the right information. Ask a friend or two for their opinions, and you will be well prepared for a good experience using a credit card. At the end of the day, it is the usage that counts - if you use it wisely, it is a good tool and vice versa.

share your experience if you have any... would love to hear them.