So I’m trying to start a debt-free life but it is still going to take so much work. I’ve been so used to swiping cards and not carrying cash (because I usually don’t have those, heh) that I read those Credit Card Ratings like I would read a cool beauty magazine. It’s embarrassing, really. But the thing is, using cards is not all that bad. I can list a hundred advantages. I guess my point is being neck-deep in debt because of using credit cards isn’t the cards’ fault. It’s all about managing and self-control really. If you have Secured Credit Cards, well that’s better. The thing is, when I first decided to get a credit card, apply for one I mean, I never imagined that I’ll be able to accumulate a number of them. Well, part of the reason is because I am a good payer, so I guess credit card companies find it easy to approve my applications. I even got a number of pre-approved cards I didn’t even apply for. The hard part is not using all of them and only using them and then paying everything in full at the end of every month. That has really become a challenge for me. It’s hard, but I’m now just trying to pay for them and possibly not spend extravagantly in the next few years to come. If only I only use a Secured Credit Card. After I paid everything, I’ll probably get one and cancel everything else.