Signs That It Is Time to Ditch Your Credit Card
It has annual fee that isn’t paying for itself. The cost of acquisition is much higher than use. The consumer acquired things that eventually makes us realize of their usefulness. This makes us eccentric and unable to balance the cost of investment and the return of such investments. When we say credit cards, we would easily understand that it is a store card. We have become addicted to companies, malls, and superstores that entice buyers of all kinds of commotion. It labels us an impossible buyer. We’ve become a periodic visitor of all company store that our world evolved on what is new in the market. It transforms us into the worst consumer instead of best buyer. Our points and rewards expire when we are out of budget. We’ve become lazy and ways of becoming or growing is diminishing.
Sometimes we don’t get any reward at all. Congratulating oneself is not happening but instead the credit card has become hazardous. Instead of being effective and telling oneself that rewards like pleasures are relaxation is soon to be reached and experienced, one couldn’t gift himself with such rewards. We should also understand that credit cards are secured cards. Without a credit card we’re not ourselves anymore. This is exactly the opposite of what happens to the person who holds on to the offering of the material from companies. Security exists in the pervading advertisements of the manufactured products in the market. We have to own every newest version of the latest in the market. We only feel secure if we’ve got the most expensive and highly electronic gadgets manufactured.
If we have money, we tend to overspend. We lose count of our earnings and expenses. We are not pragmatic, practical, and grounded on the reality of who we are and where we are. We spend more than what we earn and we forget the word “savings” in our vocabulary. We live in a endless acquisition of things that are all payables to the firms or companies. It paces our high stature in society and gives us the feeling of high air and not grounded. We only spend it to transfer balance. We apply to so many creditors that we’ve lived only to credit, meaning we close one credit company to open again another credit card.
One thing about credit cards is that it has a low credit limit. If we own a credit card, we typically have the discretion to raise and lower credit limits, even to the point where we are left no available credit. We cannot change anything until we pay off some of our balance. However, if we try to believe in sudden positive changes and have a positive mindset, as long as chances or offers come in life, we take it. This is the predominant feature of a credit card that allows us to own so much and live like a queen only to be entangled in a web creditor.
