5 simple habits that show you’re ready to get a credit card



You usually stick to budgets



Over your years of earning, you’ve been fairly good with deciding how to split and spend your income.

You don’t have to stick to your budget by the cent for this. It can be as simple as knowing that you’ll make it to the end of the month the way you planned.





If you’re someone who likes getting rid of planned payments as soon as you get your paycheck, credit cards can be your go-to choice.

A good habit of getting your dues cleared on time goes a long way in making the most of your credit card and not increasing debt.



You pay your bills on time



You hate owing

Aiming to clear your debt as soon as possible isn’t something that comes easily to many people. If you’re one of them, credit cards could work out to be more favourable to you.

Why? You’ll prioritize not creating debt and will spend consciously knowing that the money flowing in through your credit card isn’t actually yours.





You’ve been investing

You don’t have to be a Warren Buffet, but as long as you’ve been trying to make your money grow, credit cards are a good option for you.

A credit card gives you the space to invest your money as you use your credit for your monthly expenditures. At the end of the month, you’ll clear your dues but will also would have grown your money instead of spending it all at once,



You don't leave the fine print behind

Be it sitting with your account statements at the end of the month or going through all your Splitwise bills, you aren’t shy of diving into your finances.

This habit will help you when you have to read month-long credit card statements, clauses, and more.