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Thinking of getting a credit card? Before you do, think twice. Doing so can lead to financial problems, a major cause of stress that, in turn, causes wrinkles!
According to American stress researchers Drs. T. H. Holmes and Richard Rahe, financial problems and credit difficulties are a common source of stress. Credit-card debt has also been implicated as one of the leading causes of divorce.
Ironically, many people get a credit card because they think it is convenient and will help make their lives easier. That’s true if you don’t overspend and pay your debts on time.
But if you go beyond your credit limit and pay only a little amount of your outstanding balance every month – which is what banks and other credit outfits want you to do – you’ll be starting a vicious cycle that could keep you in debt forever.
“Remember that a bad credit record will dog you for years. Nothing can screw up your life faster than going overboard with your credit cards. Your card payment record will shadow you in everything you do, including buying a home (or renting), getting a job, and opening a checking account,” said financial journalists Robert K. Heady and Christy Heady in “The Complete Idiot's Guide to Managing Your Money.”