Best thing about using cc for me is consumer protection. Whenever I buy something online, I always use cc. If the seller screw me, or Shopee/Lazada doesn't want to entertain my refund request, I can just dispute the transaction with the bank. They will take a few days or weeks depending on case, before reverting the transaction. In the mean time you still have your money (unlike if you use debit card). I see a lot of threads here where people complain about Shopee/Lazads that can be easily avoided by using cc.

But I would advice you to avoid cc like the plague if you cannot commit in paying full every month.

Just be careful not to get credit card for the sole purpose of building credit, and then end up with credit card debt. Before getting a credit card make sure you are good at controlling your spending first. Credit card creates the illusion that you can afford a lot of things that you can't actually afford. The rule of thumb is to only purchase anything that you can afford if you don't have credit card.

This post has been edited by imnotabot: Nov 20 2020, 02:37 PM