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I was taking one of these life self-assessment quizzes yesterday. It has a number of questions which you ponder and respond to in essay form. You can do it in a
by kranner 11y ago
I was taking one of these life self-assessment quizzes yesterday. It has a number of questions which you ponder and respond to in essay form. You can do it in a text editor so it's private and is just an opportunity to think about your life.
One of the questions was "how much credit card debt do you have, and how are you planning to reduce it?" I found it pretty strange that the quiz assumed that the reader would be certain to have some credit card debt; indeed enough that they would need a plan to reduce it gradually.
As an Indian I find this a strange way of looking at things. To me a credit card is a convenient payment method, not a facility to award myself discretionary loans.
- spdionis 11y agoSame here. If I actually needed a small temporary loan I'd reach out to a friend, but never a credit card like that. We actually don't have such credit cards here, although we have other options for micro-crediting.
- kranner 11y agoIt's much the same in India. Credit cards are not easy to qualify for, and in most cases you can only expect to get one if you're employed somewhere full-time. As a self-employed person for a large part of my career, I would always have to ask other people to use their credit card for occasional use where no other payment option existed (and pay them directly). I finally got one after having put a significant amount of savings in the bank.
- nindalf 11y agoDebit cards solve the payment problem for me. They're accepted everywhere, so I've never seen the need to get a credit card at all.
- channikhabra 11y agoI prefer doing online payments with a credit card for the shear possibility of disputing the payment.
- kranner 11y agoNot all debit cards in India can be used for things like setting up a Verified PayPal account, or an iOS developer membership or a recurring payment with a hosting provider. Maybe it's possible now, but it wasn't for me when I tried it.