This is often not thought of people who are diligent in swiping credit cards for transactions. Where, if the card has been used, then you are not the one paying, but the bank. So that the fall, we already owe to the bank that has paid for the goods purchased.
Indeed, not everyone will easily swipe a credit card into a payment machine. There are some people who don’t do that. However, if we have fallen into the abyss of dependence or addiction, of course the impact of credit cards will be very bad. Characteristic of People Who Addicted to Credit Cards
There are several features that indicate that you are addicted to credit cards. Anything? This is it.
Shopping = Credit Card Swipe
The main characteristic that is most clearly shown from people who are addicted to credit cards is that they can never stop swiping credit cards. Whatever items are purchased, regardless of price, as long as the place provides a card swipe or EDC machine, surely he will not pay cash.
Imagine if you continued to swipe cards when shopping but never counted what items were purchased using it. How many expenses are not counted and turned into debt. Of course it will be very burdensome. If the frequency of using your credit card has started to increase, it’s time you start to stop using it.
Feeling Always Have Money, Even though It’s Debt
By having a credit card, we sometimes forget one thing. If that is not our additional money, but the bank’s when used to turn into debt. One example of this second characteristic is that it can never hold back the desire to buy an item that is actually considered unnecessary because it feels that it still has more money.
Always Spend Credit Card Limit for Shopping
Each Credit Card has a different limit. Here, for people who are addicted to always use it to the limit. The problem is, for people who have been affected by this syndrome, whatever the limit, he will definitely spend it to fulfill their uncontrolled desires.
Can’t Stop Applying for a Credit Card
If it was a limit problem, this time it’s the number of cards. Where, people who are addicted to Credit Cards usually never feel enough about the number of cards they have. So that it will make him continue to apply at other banks in the hope of having more “funds” to use.
In fact, too many cards can actually provide new problems. That is the difficulty to control and oversee your expenses. Maybe this problem can be overcome if we record all transactions. But imagine if not? How many transactions we don’t know about.
Have Debt that Never End
Here it is the end of all things. Where, when someone who is addicted to a credit card continues to use the tool without being able to stop, of course the debt will continue to accumulate. Imagine if it happens continuously, how much debt he has accumulated. Can he pay for it? Maybe.
But what if not? Be prepared to continue to be chased by banks or debt collectors to pay off the debt. If the habit cannot be controlled, of course during his life will continue to be in debt.
Self Control, Differentiate Where Needs and Desires
One way that we do not experience Credit Card addiction is to learn to control the appetite for shopping. Sounds easy, but not in reality. Therefore, try to learn to distinguish between wants and needs. Because by knowing the difference between the two, you become aware of which items should take precedence and which do not. Therefore, do not get addicted to credit cards!