Credit card debt?

From today, you have to remember your pin for shopping using your card.

A credit card is a card that a financial institute issue to you under the name of your credit. You should only use it when you know that you can afford it since the money is not really yours.
You can benefit from its convenience, interest free period, free travel insurance and even cash back...but the good advice is: To pay it back in full when the free interest period is due, so that you can use it again next month and no need to pay a penny extra.

If you are really in some trouble in paying back the debt on credit card, apply a small loan to repay it but don't use the loan for further luxury consuming anymore, since it may induce you into deeper trouble. The reason for this is: normally, the credit card interest charge (out of the 40-56 days free interest days) is very high, say 15%-30% as a range, but the loan is about 6-8% annually.

In one word, don't use the money which is not yours. Be thrifty, it isn't a bad thing at all. It can save some for some rainy days; it can save for a romantic and enjoyable holiday; it saves for the enviroment as well.

eh? Don't you think?