Having credit card in our hands is like living in paradise. What we want, can we have right now. Just one single scraping, we can directly enjoy stuff we dream of. But, if we are not careful enough, credit car can be such a boomerang. Thus, some aspects ought to be regarded for the sake of our own good.

1. Above 21, the age when we can make rational decision

The first concern is on age. Though maturity can not be guaranteed by age, but at least at 21 years old, teens are no longer as teens, thus, they are faced by the fact of making their own rationale decision and thinking twice before doing something. This “common thought” will oblige and train them to a bit change their thoughts. Thus, above 21 is the “legalized” age for the rationale phase already achieved.

2. Salary, saving n outcome = in good harmony

We already have income, but we still almost penniless in the mid of month. It means we are not reaching prosperity point yet. Our salary and our income are not in balance. Therefore, one criterion for the right time to own credit card is when we are in financial harmony. Our salary, our outcome and savings are in balance, or in other words, in a good harmony.

3. Travel a lot

Perhaps we are the one who travel a lot so we have problem bringing cash money. It is because we are worse managed people, or we are not trained to use “wallet” in everyday life, then credit card appeals as the saviour. We won’t be so much in problem with money management while travelling, but it’s best to look at other concerns above before deciding to own credit card