Are you a credit card holder? Or, are you planning on getting one but afraid because of so many alarming stories behind credit cardholders having bills piled up due to expensive fees and high-interest rates?

Probably these credit card stories are true because I recently read an article from moneymax.ph that most Pinoys don’t acquire credit cards because of these reasons. Well, I am one of those credit card holders who once had piled up bills and paid high interest because of my spending habits. But in the long run, I survived this credit card debt crisis and now enjoy the advantage of having a credit card.

What are these credit card advantages that I am enjoying?