Receiving a call from your bank stating that you are eligible to own a credit card sounds tempting because having it on the palm of your hands means that you are capable of cashless spending or buying something that is out of your budget at the moment due to the notion that it could be paid later. When you think of the cons in having one especially now that we are in a pandemic and cashless payments is encouraged, owning a credit card is indeed a necessity. You should not be afraid to avail one because it makes shopping or spending more convenient and safe especially when you shop both online or at a store or travel in and out of the country that may not prompt you to bring a huge amount of cash if you don't want to. 

In line with this, owning a credit card comes with great responsibility. It is advisable that you should  have one if you have money to pay for your debt on time. It may be considered as a privilege to some but using it irresponsibly may cause a lot of trouble. In my opinion, it is not wise to get a credit card if you have no money to pay for your debt which happens to some credit card users who don't have the capacity to control its usage. 

In line with this, when it happens that you cannot pay your credit card debt on time, you also have to pay for the "interest on interest" called compounded rate which means that your debt becomes more expensive throughout the course when you can't pay your debt. It is stressful most especially when debt collectors are bombarding you with calls or worse, harassment. This is where you need to seek the help of credit counselors.  

If you need someone to give you the best professional advice on how to manage your debts, do proper budgeting, discuss about consumer credit, or perhaps suggest an extra source of income, a good credit counselor is the one you should talk to. He may provide you with a tailored-fit one-on-one credit counseling sessions or give you educational materials, seminars, and workshops to help you determine your financial issues. What makes it advantageous to have a credit counselor to consult with is that he may assist you in creating a budget scheme to pay your debt smoothly while saving. A credit counselor is specialized or trained to handle credit card debts so you are in good hands when you find the best. 

In consonance, the easiest way to find a reliable credit counselor is via referral. Recommendation from friends and loved ones may give you peace of mind that you are not dealing with someone untrustworthy. In case that you don't have any referrals, you may browse through the internet and checkout different credit counseling firms with good reputation so that you can fix your credit card issues in no time, not adding more stress and problems on your end.