since i got used to using credit cards i've learned the harsh realities of having to pay HUGE finance charges for not paying it in full. i guess that's the price you have to pay for being cashless. one thing i make sure of though, is that I remain in good credit standing.
Bad credit loans can be very bad when one considers taking out an investment in the future, such as a house or a car, so its very important to make sure that credit ratings are good at all times. Right now hubby and I are considering getting our own house, so keeping up my good credit is important for me so we can take out a home loan this year.
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