I remember that when I am at the mall and I am doing a window shopping I felt so disappointed to my self because whenever I saw things and I want to buy them I can’t afford to buy because I don’t have enough money to have that things. But when I have my credit card I was so happy because I can have now the things want and buy just swiping it at the credit card machine I can buy things I need and I want. But still I am using my credit card wisely. I am so lucky because I can buy things that I want even I don’t have enough money.

And good thing it is not hard to apply for a credit card and when you get qualified you can have your credit card fast and easy. You can use it whenever you want. But still we need to think first before we buy things because it is much good when we use our credit card wisely. And like the cash money we still need to budget using our credit card. It is not just because we have our credit card we will use it even in not important things. When we reached our limit we couldn’t able to use our credit card until we haven’t paid for it. That’s why when my mother knew the importance of it she apply for credit card offers. She said then that the American Express Credit Cards is really nice to use.