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My Visa Electron Arrived

An annoying friend have been asking a couple of times if I own a credit card. She seems to find me awkward not to have one. Who cares when I have the liquid cash to spend whenever I need? Morever, I do not DREAM to be part of the statistics of young people becoming bankrupts just because of overspending using credit cards and the compound interest rates imposed by the banks.

Credit cards never appeal [