i dont own a credit card.
and, i dunno how i make it so far without one. hahaaha

which leads to the next qns ..
is it essential ?
does a credit card inevitable leds me to spend future money?

its not that i cant afford to own a card, there are moments when i tot.. it’ll be so nice to own a card. but i never find myself truly needing it.

somehow, i never got around to filling in credit card application or the patience to listen to sales pitch. yawnn !

its d idea that i have survived 29 years without it. perhaps i never own a card, therefore.. i dunno what i’m missing out.

oh well.

– G