I am a credit card debt woman who no longer owns a credit card. Of course, I am still loaded with credit card debt that needs a few years to pay off through AKPK free debt management program (DMP). 
It’s difficult to find an adult who doesn’t own a credit card these days, isn’t it? Credit cards, especially to working people and those who live very busy lives, are ultimate financial saviors.
Well, credit cards used to be my savior too when I needed cash or a particular item urgently. I loved the glamor and the convenience credit cards brought to me that I got myself 7 credit cards and ultimately loads of credit card debt.
It’s the convenience of carrying credit cards compared to carrying cash when making purchases that triggered my thirst for material things, led me into the temptation of buying stuff that I didn’t really need and eventually got me into the unmanageable credit card debt.
Having a credit card is a big responsibility. If you don’t use it carefully, you may owe more than you can repay and be suffocated by high interest rates, late payment fees, over the limit fees, cash advance charges, retail interest fees and miscellaneous fees that add exponentially to your existing outstanding balance.
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