I have a few credit cards but I only pay for 2 of them. One was reserved for my insurance payment and the other one is used for shopping for things which I prefer to keep as a secret. LOL! I can’t let hubby know how much I spend some times because like most men, he can’t understand why I shop for shoes a few times a month. That’s why I cleared off all my credit cards just now so that I can use them again for my trip to Bangkok. Bangkok is a shopping paradise, ok? You need lots of Thai Baht, but still, you can’t go there without a credit card!

If you are looking for a Secured MasterCard, check out the credit cards available at Credit Room. Seriously, most ladies need at least one credit card for all the shopping, manicures, pedicures and beauty salons which we visit regularly. You can pay by cash, but it will be more convenient if you can just swipe the card and pay the monthly balance later. Of course, you might have to control your spending and realize that you are still spending your money, even if you don’t hold the cash in your hands. If you can’t repay your credit card debts, you might affect your credit score.

However, there are Credit for fair credit which can prevent you from overspending. For these secured cards, you need to have some security deposit in the saving account and that will be your spending limit. I think it’s best to have cards like this for young girls who may only spend but not paying for their purchases. But of course, anyone might find it useful too, and it will definitely help you in controlling your credit card debts.

So, since my cards are all cleared by now, I hope that I can have some shopping spree in Bangkok. The schedule is a bit tight, but I can’t leave the place without a shopping trip!