My BPI Express Credit Card

When my sister told me one night on our home that she wanted me to be her supplementary card holder on a BPI Credit Card she's planning to open, I immediately immedietly said, yes.

I know it was a sudden move but I thought this is my chance to finally do something that I've been putting off for a long time.

I had a brilliant idea of a niche blog that will just focus on everything about events like wedding, debut, kid's birthday, milestone birthday, Philippine holidays and so on. And I wanted it to be business blog. Something that could make me earn a passive income in a long run.

Anyhow, I need a domain of course just to make it more official and easy to remember. And I can only buy that domain online and with the help of a credit card. To cut the long and boring story short, I now have a credit card!

I had my first transaction for a domain that cost me about 890pesos I believe and thankfully it was on the week that my payment for freelance writing went in. I have a reserve money to pay on this credit.

From then I never had any transaction with the supplementary credit card. I was afraid and I don't want to use it not unless I really have to.

I opt for cash and I just temporarily erased the "credit card" idea in my mind. I actually hid that in a safe place.

I had people talked to me (and read somewhere else) how destructing owning credit card is. However, I feel positive that it all comes with the person using it.

You have to find the right intention in owning a credit card. You have to become a smart shopper too. There is also a fine line between  treating your credit card well.

• Do not treat your credit card as extra cash. You are borrowing money and you owe to pay that amount in a due date.

• Do not treat the credit card cash advance as an emergency fund that when everything goes wrong in your finances you can just easily pull off some money.

• Do not treat your credit card as the only solution to your problem.

The thing is before you get a credit card you should know the pros and cons first. And I believe when I decided to own a supplementary credit card, though I am now given the power to purchase what I want within the credit limit, I had this per-knowledge on how to use it and how to make it beneficial for me.

I also feel like as I adjust a supplementary holder, I don' have that much say on what I can buy since my eldest sister will probably sees it and ask me for sudden  big purchase.