I have a secret to tell… I confess I was also an impulsive buyer.
Not many know that I am an impulsive buyer during my younger years. If I see things that I really want, I tend to buy it immediately. Being an Ilocana, people think that I am always in control of my finances. They don’t know that one time, one of my credit cards almost reached its credit limit and I had no other options but borrowing money from my parents to pay for it. Since then, I made sure that I’d look for a reward card. Something that offers lot of benefits like lower rates for balance transfers and better payment schemes.
I have made a very wise decision… I now have low rate credit cards that are truly beneficial… and I now know how to be responsible for it.