Credit card is simply a system of payment intended to provide convenience to holders.
However, nowadays growing numbers of holders go astray by abusing the credit line, resulting in rising number going bankrupt.
Using credit card is a matter of exercising personal prudence and restraint in managing your spending habit.
Therefore, credit card is a neutral financial product - if you use it wisely, it works like an asset; otherwise, it may in no time turn into a burden.
My dad used to tell me to use credit card for convenience sake only. His golden advice has become my personal financial guidance.
If you hold a credit card, use it wisely and not otherwise!