“Should I Apply for a Credit Card?” If you ask me – The DMP Blogger – this question, it’s for sure that I will discourage you from applying for a credit card. 
As a credit card debt woman who is currently under AKPK’s free debt management program (DMP), I will surely advise you to cultivate the habit of using cash, rather than swiping credit cards.
But, I am not your loved one or family member, right? Why would you want to listen to me? So, the decision on whether you should apply for a credit card is up to you.
With credit card ads in television, newspapers, websites, shops and almost anywhere and everywhere asking you to apply for a credit card, it’s difficult to resist the temptation.
Besides, when you look around, most people have credit cards or multiple credit cards. So, why shouldn’t you apply for a credit card?
Furthermore, you have been told that there are endless benefits associated with having a credit card. The most important benefit of a having credit card is none other than the convenience it offers. Instead of carrying a lot of cash on you which is both inconvenient and unsafe, you just need to carry a plastic card with you.
Moreover, you get interest free credit. This means that you don’t have to pay the bills till the next monthly billing cycle. With this benefit, you can buy now and pay later when your salary arrives. What a great reason to apply for a credit card, isn’t it?
In addition to that, you get to enjoy interest-free installment payment plan. You can buy the Samsung LN32B460 32-Inch LCD HDTV or Orient Men’s Multi-Eyes White Automatic Watch you have been longing for today and pay for it in installments on your credit card.
Another good reason to apply for a credit card is the discounts on shopping. Due to the tie-ups between credit card companies and the merchants, you, as a credit card holder, get to enjoy deeper discounts, reward points or even cash back benefits.
See, there are so many benefits of applying for a credit card, aren’t there? So, why shouldn’t you apply for a credit card?
Whether you should or should not apply for a credit card, it’s a matter of personal choice.
