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RE: India: Importance Of Having Higher Credit Limit On Your Credit Card!
Do you ever read my comments in several post from you @firepower?
For me, true Credit Cards are not the real thing. The bank want people to take the loan from them. Buy this or that. Come and take the credit from us..... ha ha, what a madness from them to make us slaves for the money. The best way is not to use a credit card and just use a debit card. There is a lot of cards out there, and I never need a credit card, because my 6 debit cards are much enough for every single day in the past 2 years of constant travel.
Credit Card usage patterns differ from country to country. I've been using a CC since before my monthly income was anywhere remotely close to the meagre limit on my card at the time. 7-8 years later I've managed to come all the way without ever wanting to live above my means just because I own a credit card. :) Debit cards here don't necessarily have all the same advantages as a credit card. A smart saver and smart spender knows how to differentiate the two types and use both to their benefit. Btw, I do check every single comment on my posts and also upvote many of them regularly when I like something i see.