In describing my credit card usage policy, I said,
I should look at every other option before opting to purchase with a credit card.
For reasons that still remain a mystery to me, I recently used my credit card to pay for goods and services when there were a whole set of other options readily available to me. I did so twice.
To begin with, I used my credit card to pay for generating my tax returns electronically. How dumb is that? Especially, when the income tax website offers the tax return preparation software as a free download. I could have also sat down with a pen in hand and filled up the forms manually (like I have done in the past five years).
Second, I used my credit card to purchase cinema tickets online. I have always purchased cinema tickets by paying cash at the booking counter. Worse, we couldn’t catch the movie and all the tickets went waste! Worst, each ticket booked online attracts a service charge. Hard earned money racing down the drain.
I still feel lousy for unnecessarily using my credit card. It’s, however, a good lesson learned. What strikes me as dangerous though, is the lure of credit cards — how easy it is to fall into debt from the comfort of your chair.