I never thought I would be writing an article about credit cards.

I am generally not a fan of credit cards, even for the most disciplined savers out there.

There are numerous studies that come to the conclusion that people who have credit cards tend to spend more than those without credit cards. That is the human condition.

However, some people can use credit cards responsibly, and there is a need for choosing the right credit card for your situation. It can be a difficult decision with so many options out there. Some offering air points, some hot points, others cash, and others true rewards.

I have tried to simplify the complexity, by making two new […..]