29 Apr '18, 12am

Credit Card or Personal Loan: Which One to Choose When You Need the Money

Credit Card or Personal Loan: Which One to Choose When You Need the Money

Sometimes, I hear people saying that they want to cut their credit card and be debt free. I feel it hilarious because your credit card doesn’t trap you into debt, your spending patterns do. Credit is like a knife in the kitchen, it is essential to your daily living, though it may hurt you occasionally. Personally, I take my credit line very seriously. That is why when a bank refused to increase my credit limit, I want to know why . In fact, one of the biggest credit mistakes one can make is to cut all your credit cards , because it can be a vital helpline when you need cash in an emergency. For example, last December, I missed my flight from Taiwan back to Singapore, and I must fork out $2,500 at the airport to reschedule the ticket and pay for my accommodation. It was the piece of plastic …

Full article: http://thefinance.sg/2018/04/27/credit-card-or-personal-l...

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