Why I Never Want to Apply for a Credit Card

Now at the age of 27 I have been working for a couple of times already and I never had any Credit Cards. I have been asked, “Do you want to open up a new credit card account?” and all of them promised low-interest credit application and low-interest credit card rate. I even had a zero interest credit card offer! It was so tempting! Every time I go shopping I always hear people asks, “Do you accept credit cards?”. That seemed to be everywhere, in malls, grocery stores, restaurants and in bookstores! I envy my friends with such cards from HSBC or whatever Bank they applied it from, they seemed to have all the money in the world! They can shop anytime because a lot of places accepts credit card transactions. They buy just anything with it  especially online. The easiest and convenient way to book a flight is through online booking and the only thing we need to achieve that is to have Credit Cards. There is an online application  where one can apply without having to go to their respective banks to get one. They give more ease but one thing I don’t like though is that one of the easiest ways to be scammed is through these credit cards. Some credit card merchants would eventually lure you into it. One thing I regretted not applying for a Credit Card is that one can enroll in an Online College Courses For Credit. I have always dreamed of finishing a degree course in college and that would definitely help! I am saddened that I can no longer avail for one since I don’t have a fixed job now. Now I have read a couple of small business credit card reviews and they are really good. Now I wished I grabbed that offer I would have been enjoying an online education by now.