As I am now under a debt management program for my credit card debt, I can only use cash. No more using credit card to make big tickets.
If I want to buy any office furniture, I guess I will have to save enough cash first.
But to be honest, I am happy that I no longer have any credit card with me.
It’s better not to own a credit card if you know that you are not disciplined enough when it comes to money matters.