Tag: credit card promos

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How I Became Credit Card Debt-Free

I dream of the time when I won’t have to use my credit card anymore. I dream of the time when I can just use my ATM or debit card to pay for my purchases. I dream for that time to come soon! Right now, I still depend on my one and only credit card (I used to have three) for when I travel (for plane tickets and hotel accommodations), shop (for big, expensive items only) and dine out (occasionally).

On a related note, I’m very glad about the recent development in my credit card use. I am now credit card debt-free! Yes, you read that right. And I plan to make it for good. This means no more impulsive shopping for me. This means no more shopping when financial blessings are about to be received (hello bonuses!) or when expecting that extra income from my side jobs.

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Managing Credit Cards

UPDATE as of January 2015: I’m back to having just one credit card now. You might want to know how I became credit card debt-free. 🙂

I used to own only one credit card. Then it became two. Currently, I own three credit cards from different banks. So far, and thank God, I’m managing all three well. But it’s not a walk in the park, you know. Like many people, there are times when I get to overspend and end up getting charged with interests and late payment fees.

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Having credit cards can be stressful, too. That’s why managing your credit cards well is a must. I’m not an expert at credit card debt management but here are some things I do to make sure my credit card debts don’t balloon to alarming levels:

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