CC is still convenient lalo na sa items that are on installment basis.
pag me item ako na gustong bilhin kahit me available cash,
I still prefer using CC IF its on zero-percent interest naman.

just pay on time and don't incur additional charges. and also, don't
max out your limit.

I have a car loan - i've seen it as a necessity for my family.
and its a car na i believe is not that expensive pero sulit ika nga.

di ko kayang kunin ng cash so I had to spread the payment for four years.
sayang yung interest pero i have other use for our cash.