https://padlet.com/leeyingtay89/PBFOD1 How many credit cards should millennials have in their wallets en-us 2017-07-14 07:41:36 UTC 2017-08-17 09:49:16 UTC hello@padlet.com leeyingtay89 https://padlet.com/leeyingtay89/PBFOD1/wish/178699533 Read the article below. In your opinion, should you own a credit card in today's world? Please give your reasons.

]]> 2017-07-14 07:44:31 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/178699533 https://padlet.com/leeyingtay89/PBFOD1/wish/181405051 In our opinion,we should not have a credit card.This is because it is too easy to lose track of spending.In addition,we already have a variety of debt.Such as,student loan debt has outpaced credit card debt.Furthermore,we do not have enough income to pay off a credit card balance.Moreover,we think that the interest rate of credit card is too high.It is not worth.]]> 2017-08-17 09:26:36 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405051 syshuying99 https://padlet.com/leeyingtay89/PBFOD1/wish/181405063 No,
Millenials should not own a credit card because of high interest charges on credit card. Moreover, this world has no free lunch. The high interest rates and annual fees asssociated with credit cards often outweight the benefits received. There are many hidden costs in credit cards too. If you're late making your monthly payment or miss it together, a fee will be charged. ]]> 2017-08-17 09:26:46 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405063 https://padlet.com/leeyingtay89/PBFOD1/wish/181405074
our opinion is we should not have a credit card. We afraid that we will use over limit of the credit card. If we using debit card instead of credit card we may not over limit. If we over limit we will face bankruptcy because sometime we may not have the capability to pay back.Thus,  credit card have the almost same function as the credit card so this may help us to prevent the over used of money. last but not least, we might have credit card after we have a stable income so that we dont have to worry about we cant to pay back the money.]]> 2017-08-17 09:26:49 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405074 jiahonh1999 https://padlet.com/leeyingtay89/PBFOD1/wish/181405075 2017-08-17 09:26:49 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405075 jiahonh1999 https://padlet.com/leeyingtay89/PBFOD1/wish/181405077 No need credit card
·We should not to use the credit card to purchase the fees.
·We should always save the enough money for purchase the item.
·We can use the debit card to purchase because debit card have the function to pay money in shop.

]]> 2017-08-17 09:26:49 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405077 https://padlet.com/leeyingtay89/PBFOD1/wish/181405082 Our opinion is NO because if we do not pay our debt on time,we will not even get the benefits that we are supposed to be rewarded but instead we will be charged with interest.Besides, sometimes we just cannot control our own expenses and cause ourselves to be in financial trouble.Lastly, it is easier to spend with credit card instead of using cash because we feel that it is more convenient to spend with credit cards and sometimes without realising,we will spend more than what we earn. ]]> 2017-08-17 09:26:52 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405082 https://padlet.com/leeyingtay89/PBFOD1/wish/181405129 Our opinion is No, because we will spent more money to buy some unnecessary things. If we use cash to buy something, it
is limited because the money that we bring is limited but credit card is unlimited because the bank will not limit our expenses.]]> 2017-08-17 09:27:41 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405129 https://padlet.com/leeyingtay89/PBFOD1/wish/181405135 Our opinion is YES,and we should have at least 1 Master card and 1 Visa card. We should have visa and mastercard as some of the merchandise does not accept either one of it. Thus, we should have at least one visa and mastercard in our wallets.
One of the reason is that we do not need to carry around a lot of cash in our wallets as this may attract crime. Next, credit card can be used during emergency cases. For example, if any of our family members are admitted in the hospital and requires a huge amount of cash to pay, we can just use our credit card to pay the huge amount rather than bringing lots of cash to the hospi

]]> 2017-08-17 09:27:46 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405135 https://padlet.com/leeyingtay89/PBFOD1/wish/181405184 1.we should consider our needs and ability b4 applying
2. Only apply one credit card for the start
3. Debit card is for convinience bcs there is no any high interest chargers
4.these days debit card with visa or mastercard easily acceptable.
5.cost you extra money in long run its not suitable for emergency funds better to save money 
6. Using one credit card is more beneficial than using multiple cards,and better to build good credit than an entire wallet full and have to full payments every month

]]> 2017-08-17 09:28:21 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405184 https://padlet.com/leeyingtay89/PBFOD1/wish/181405642 In our opinion, we should not have a credit card because we will lose control of our finance and we will spend over limit.Besides that, the interest rate of credit card is very high and unaffordable. Furthermore, holding a credit card in case of an emergency could cost you extra money and in the end, put you in debt and actually ruin your credit.Finally, it will also limit future financial flexibi ]]> 2017-08-17 09:33:34 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405642 https://padlet.com/leeyingtay89/PBFOD1/wish/181405859 In our opinion, we should only have 1 credit card in our wallets, unless if you like getting charged by the bank then its okay to have more. If there is more than 1 credit card in our wallet, we are more tempted to spend more. The reason why we have a credit card is because we can buy stuff that we need which are in big amount so that we no need to bring a huge amount of money that attract crime. Another reason is also because we can get the credit card reward.]]> 2017-08-17 09:35:39 UTC https://padlet.com/leeyingtay89/PBFOD1/wish/181405859