I have never owned a credit card. Despite credit card companies having great promotions, I felt that it was simply a gimmick to go down the slippery slope. I personally saw how close friends (educated poor) raked up over tens of thousands of debts because of these shiny cards. My Telegram channel where I share one financial tip a day also know I shut this off totally. Until 2021, this year I applied for my first credit card while doing research on how to save on big ticket purchases. So what changed? I want to share a new perspective of what I learnt this year and hope this can somehow change your news on these cards in our wallets. What is a Credit or Debit Card? Both credit and debit cards have made it easier and more convenient to do purchases whether it is online of in stores. There is one key difference....