When I was still studying, I never have problems with debts and credit card. I do have little debts with friends, but I can pay it the following day when my parents lend me my allowance. However, after working for a year after graduation, almost all kinds of credit card with different companies were introduced to me. I never have an idea that it would cost me that much.
I did get one. Okay, I feel so happy because I thought the interest rate is small. The biggest mistake I have made is not reading the terms thoroughly. I just signed and use the said card like it is mine. However, as time goes by I have reached my credit limit. Not to the point of considering it as Bad Credit Credit Cards.
There is a point where I feel like I am in hell that every time the phone rings I feared it’s the credit card company. Good thing it did not reach that point. Well, I transferred my balances to another card that has lower interest rate. This is the only way I think to get back in shape. For now, I think I succeeded in my goal of getting back to my credit standing. I have learned my lesson and promised that it won’t happen again.
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