These Are Characteristics Of People Addicted To Credit Cards, Are You One Of Them?

In this day and age, using credit cards as a means of payment or transactions is increasingly popular. Understandably, the advantages offered by this banking product, namely practicality and convenience, are arguably very tempting, not to mention the promos offered. However, with these various benefits, it can actually make us forget ourselves and become addicted to Credit Cards.

Yes, addicted to Credit Cards. Is it the same as any other addiction? You could say it’s similar, because it takes time to get out of the habit of swiping this plastic card. The problem is that many people are not aware of the dangers. The proof is, instead of decreasing, the number of credit card users is actually increasing. In fact, one person can sometimes have 3 or 5 credit cards, or even more.

Using a credit card equals debt!

This is what people who diligently swipe credit cards don’t think about for transactions. Where, if the card has been used, then it is not you who pay, but the bank. So that the fall, we already owe to the bank that has paid for the goods purchased.

Indeed, not everyone will easily swipe a credit card into a payment machine just like that. There are some people who don’t. However, if we have fallen into the abyss of dependence or addiction, of course the  impact of credit cards will be very bad.

Characteristics of people who are addicted to credit cards

There are several characteristics that indicate that you are addicted to Credit Cards. Anything? This is it.

1. Shopping = Swipe Credit Card

The main characteristic that is most clearly demonstrated by a person addicted to credit cards is never being able to stop swiping a credit card. Whatever item is purchased, regardless of price, as long as the place provides a card swipe or EDC machine, he will definitely not pay cash.

Imagine if you kept swiping cards while shopping but never counting what items were purchased using it. How many expenses are not counted and turned into debt. Of course it will be very burdensome. If the frequency of using your credit card has started to increase, it’s time you start to stop using it.

2. Feeling Always Have Money, Even though It’s a Debt

By having a credit card, we sometimes forget one thing. If that is not our additional money, but the bank’s which when used turns into debt. One example of this second characteristic is never being able to hold back the desire to buy something that is actually considered unnecessary because they feel they still have more money.

Also Read:  5 Ways to Close a Credit Card

3. Always Spend Credit Card Limit For Shopping

Every Credit Card has a different limit. Here, people who are addicted must always use it to the limit. The problem is, for people who are already affected by this syndrome, regardless of the limit, he will definitely spend it on fulfilling his uncontrolled desires.

4. Cannot Stop Submitting Credit Card Applications

If there was a limit problem, this time it is the number of cards. Where, people who are addicted to Credit Cards usually never feel enough about the number of cards they have. So that it will make him continue to apply at other banks in the hope of having more stock of “funds” to use.

In fact, too many cards can actually cause new problems. That is the difficulty to control and supervise your expenses. Maybe this problem can be resolved if we record all transactions. But imagine if not? How many transactions we don’t know.

5. Have a debt that never ends

Here comes the end of all things. Where, when someone who is addicted to credit cards continues to use the tool without stopping, of course the debt will continue to pile up. Imagine if it happened continuously, how much debt he collected. Can he pay for it? May be.

But what if you don’t? Get ready to continue to be chased by banks or debt collectors to pay off the debt. If this habit cannot be controlled, of course throughout his life he will continue to be in debt.

Also read: The difference between VISA and MasterCard credit cards

Self Control, Distinguish Where Needs and Desires

One of the  best ways to avoid from the Credit Card addiction is to learn to control our appetite for spending money. Sounds easy, but it’s not in reality.

Therefore, try to learn to separate between what you want and what you need. Because by knowing the difference between the two, you will easily realize which items should take precedence and which are not. Therefore, don’t get addicted to Credit Cards, okey?!

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