Compare to my life many years ago, everything changed after I started using a credit card. At the beginning of each month, I receive a lot of notifications reminding me to pay for my credit card’s debts. After being briefly excited to receive my salary, I need to do many transfers to pay for all my debts. Then I only have a little amount of money left for living and it's not enough to support my family. So, credit cards still play an important role in my life month by month. I buy almost all I need online, including clothes, food and other items and I pay online with my credit cards. It's a question of convenience because I actually have no other choice. Items sold online are a little bit cheaper than what we can find in brick-and-mortar shops. I still remember the days about 20 years ago when credit cards didn’t exist yet. I carefully planned my monthly budget and you may not believe me if I tell you that I was able to save some money every month. During that period, I never had to worry about paying off my credit card’s debts, because I never had any debts.