When I was working in the Phil. few years back we were given a privilege to have a credit card. Most of my co- workers enjoyed spending using their credit cards. I did at first but I was so afraid of having bad records and hubby didn’t want me to use it again and again. So we decided to use it only when it is necessary. But I remember my co-workers spending a lot above their means which led them to a bad credit. They had many credit cards but bad records, a lot of banks refused to give them credit cards anymore.
I thought that having credit cards before was a good way of spending because I saw it from my co-workers. They enjoyed a lot for the first few months, but I discovered later that they were already suffering from debts. They were even called by some banks for personal investigation. I was so scared during that time that I decided to stop my credit card after using it for a year.
It’s good to know that there are personal loans for people with bad credit. My co-workers need this. It is credit loans and debt consolidation. It can help them free from loans and bad credit. They will be freed from high interests and worries too. They can even check online, it’s simple, fast, and secure. I will try to share this to my co-workers and let them know about the benefits if they will join. There are a lot of them and I guess, they will agree with me and wanted to have this.