I no longer need to worry about credit card offers. The reason is simple – I am in a free debt management program now. 
As long as I am still in the program, banks and credit card companies dare not won’t approve any credit cards or loans for me. This is good to me who is easily enticed by loan or credit card offers.
Before enrolling in the debt management plan, I used to have 7 credit cards and a personal loan. From one credit card to 7 credit cards in 2 years’ time, thanks to my weak resistance to credit card offers.
I did try hard not to give in to the temptation the credit cards offered, but material cravings were more powerful than the will of my mind at that time. The moment a credit card issuer approved me a new card, I could hardly wait to use it to pay for items and services I fancied.
If you don’t want to end up signing up with a debt management program like I did, it’s wise to prevent yourself from accepting another new credit card offer to add new debt to your existing amount of debt.
Credit card offers, no matter how enticing and convenient they might seem, may be the most expensive loans made by banks, department stores, and gasoline companies for you.
But how to avoid the temptation of credit card offers?
If you seem to have problems saying “no” to credit card offers, the most effective way to prevent yourself in accepting another credit card is a little bit of truth serum – How Much Credit Card Issuers Get from Every Transaction of Your Credit Cards.
Besides high interest rates, there are also annual fee, late fees, retail interest fees, cash advance fees, over-the-limit fees, and other miscellaneous charges that add to your credit card debt.
I decided to enroll in a debt management plan not because of the total amount of my credit card debt I owed. NO. It’s because I couldn’t bear with the high interest charges, late payment fees, over the limit fees and all sorts of ridiculous charges that added to my credit card debt exponentially.
All the fees and charges made paying down my credit card debt a waste of all my hard-earned money. I was only paying the fees and charges, not the principal amount of my credit card debt!
If you are really a person who cannot say “no” to numerous credit card offers, you must learn to pay bills punctually so the interest rates and charges are as low as possible. It also pays to read monthly statements while keeping the copies of sales receipts so you would compare the charges.
It’s better for you to learn how to deal with credit card offers now when your credit card debt is still under control, isn’t it?
