"Oh she takes care of herself. She can wait if she wants. She's ahead of her time. Oh and she never gives out. And she never gives in. She just changes her mind..."
-- Billy Joel's "She's Always A Woman To me" 
On Credit Cards — Why do we need to apply for a credit card or use a credit card? The first obvious reason is convenience. Sometimes, we run out of cash in the wallet or there are times that money in our personal ATM card is just not enough. In this kind of a situation, a credit card can be your personal savior, getting you through dinner or groceries or paying bills. When you need cash, you can also make an advance on your credit card, for instance to fund taxi fares if needed. However, just take note that, in making cash advances, there are charges added to your credit bill for this service. Second are emergencies like rushing a family member to the hospital. Third, credit cards come in handy for big purchases such as appliances, gym memberships, family reunions, even a dream wedding. However, be a responsible spender, if you handle the time of your purchases right, you may even get the chance to pay it off on installment –interest free.