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Personally, if you ask me, I have a lot of bitter sweet memories when it comes to credit cards. It was a truly exhilarating moment when I first got my credit card, it was like now I can own more than what I am entitled to in life..haha!

Then it became a nightmare to see a big chunk of my hard earned money went to pay the minimum while I continually used the card for groceries, petrol, dining out and the lists of endless life luxury. The bitter part was when I got credit limit increment. I was torn whether to spend more and suffer later or just ignore the increment altogether. That could only last for few weeks then the shopping spree began. If only I have a stronger will to banish the temptation to shop.
Now I have about 6 credit cards with different credit limit but the same interest rate. Some times I wish I don’t have that many credit cards, but at times when you need to splurge on retail therapy or in need of instant money, those cards are like little blessing from heaven’s bank.
Now I wonder how would my free credit report will look like..huhu!