Automatically translated.View original post

How's there a good credit card?

Recounting the experience

Service experience 💬

Today we went to buy my son a pair of shoes, 1 thousand paras, xxx, but we paid in one hundred paras. Worth it.

Credit cards, if used, are very useful. Every spend will earn points as a discount on the next purchase.

One Card All Value Accumulate Points Get Discount

0% installment

Today bought 1114 shoes.

Discounts from 800 cumulative points

Regular discounts from 100 cards.

Pay for shoes 214

We got this pair of shoes in para. 214. It's worth it.

# Not worth anywhere, bring a pen to the band

# Smart use

# Credit card the1

# First credit card

5/12 Edited to

... Read moreการมีบัตรเครดิตที่ดีช่วยสร้างความคุ้มค่าในการใช้จ่ายอย่างมาก เช่น การสะสมแต้มจากทุกยอดใช้จ่ายที่สามารถแลกเป็นส่วนลดหรือของรางวัลต่างๆ ซึ่งเหมาะสำหรับผู้ที่มียอดใช้จ่ายประจำและต้องการบริหารการเงินอย่างมีประสิทธิภาพ นอกจากการสะสมแต้มแล้ว หลายบัตรเครดิตยังมอบโปรโมชั่นส่วนลดพิเศษทั้งจากร้านค้าและบัตรเครดิตเอง จึงทำให้ผู้ถือบัตรได้รับความคุ้มค่าคูณสอง ทั้งลดต้นทุนและได้ของใช้หรือบริการในราคาที่ถูกลง อีกหนึ่งข้อดีที่ได้รับความนิยมคือการผ่อนชำระ 0% หรือดอกเบี้ย 0% ซึ่งเหมาะสำหรับการซื้อสินค้าราคาสูง เช่น รองเท้า เครื่องใช้ไฟฟ้า หรือเครื่องประดับ ผู้ใช้สามารถแบ่งจ่ายเป็นงวดๆ โดยไม่เสียค่าดอกเบี้ยเพิ่ม ซึ่งช่วยลดภาระทางการเงินและเพิ่มความคล่องตัว การใช้บัตรเครดิตอย่างชาญฉลาดจึงไม่ได้เป็นแค่เครื่องมือสำหรับการชำระเงินเท่านั้น แต่ยังเป็นตัวช่วยในการวางแผนการเงินและสร้างประโยชน์สูงสุดผ่านการสะสมแต้ม สิทธิพิเศษ และการผ่อนชำระ ผู้ใช้ควรศึกษาข้อกำหนดและโปรโมชั่นของแต่ละบัตร เพื่อเลือกใช้บัตรเครดิตที่เหมาะสมกับไลฟ์สไตล์การใช้จ่ายของตนเอง นอกจากนี้ การตรวจสอบยอดใช้จ่ายและชำระเงินตรงเวลายังช่วยป้องกันการเกิดหนี้บัตรเครดิตที่ล้นพ้นฐานะ และส่งผลดีต่อเครดิตสกอร์ของผู้ถือบัตร ส่งผลให้สามารถเข้าถึงสินเชื่อและบริการทางการเงินอื่นๆ ได้ง่ายขึ้นในอนาคต #ฉลาดใช้ #บัตรเครดิตthe1 #บัตรเครดิตใบแรก #ไม่คุ้มตรงไหนเอาปากกามาวง

Related posts

An image featuring a pink wallet surrounded by various credit and store cards, with the title 'Credit Score Basics' overlaid, introducing the topic.
An image defining a credit score as a financial report card and outlining credit score ranges from Poor (300-579) to Excellent (800-850), set against a background of a wallet and credit cards.
An image listing the five key factors affecting a credit score: Payment History (35%), Credit Utilization (30%), Credit History Length (15%), Credit Mix (10%), and New Credit (10%), with a wallet and cards in the background.
Credit Score Basics: What It Is & How to Boost It✨
Your credit score isn’t just a number—it’s your financial VIP pass! 💳✨ Whether you’re dreaming of a new car, a home, or just better rates, understanding your score is key. 🔑 If you’ve ever felt confused about how it works or how to improve it, this breakdown is for YOU! 🙌 💡 Ready to boost you
Mari 🦋

Mari 🦋

15.2K likes

A young woman in a pink floral dress takes a mirror selfie, with text overlay "HOW I BUILT A 700+ CREDIT SCORE AT 18," setting the theme for the article.
A young woman in a graduation gown stands outdoors, accompanied by text explaining her first credit tip: opening a card on her birthday and keeping utilization low.
Two women smile at the camera at night, with a car and street lights behind them, alongside text detailing the second credit tip: paying off credit cards early and frequently.
How I built a 700+ credit score at 18
not gonna lie… i had a little head start 👀 my parents added me as an authorized user on their card when i was younger — and that gave my credit a major boost early on. BUT i didn’t stop there. i opened my own credit card, then another one (Quicksilver by Capital One), and now I have the Savor On
christina

christina

3057 likes

This image introduces how to pay off $5,000 in credit card debt using the Avalanche Method, featuring a hand holding three credit cards: Quicksilver, Sapphire Preferred, and Discover it.
This image highlights the Avalanche Method as a strategic way to save time and money on credit card interest, with a hand holding a Discover it credit card.
This image outlines Step 1 of the Avalanche Method, instructing to list credit card debts with their amounts and interest rates, showing a hand holding a credit card.
How I paid off $5,000 credit card debt!
Drowning in credit card debt? I’ve been there—it feels impossible, but trust me, it’s not. Using the Avalanche Method, I took control of my finances and saved myself so much money on interest. 💸 Here’s the deal: It’s not about paying everything all at once (who has the funds for that?), but abou
Mari 🦋

Mari 🦋

4494 likes

How YOU can build business credit✨
When I first heard “business credit,” I thought it was just for big companies — but you can actually start building it right now. Here’s how I built my foundation from scratch in 2025 👇 ✅ Started with an LLC + EIN (free to get on IRS site) ✅ Opened a business bank account under my LLC ✅ Got m
minttalksfinance

minttalksfinance

1112 likes

A bedroom scene with a mattress on a bed frame, a litter box, and a laundry basket. Overlay text reads: "how to get AN APARTMENT with bad or no credit (ft. empty apartment tour)".
An empty room with light wood-look flooring, a window with blinds, and a glass-paned door. Overlay text on a torn paper graphic advises to "Get a Cosigner" for an apartment.
An empty apartment hallway or landing with light-colored walls and wood-look flooring. Overlay text on a torn paper graphic suggests to "Pay More Upfront" for an apartment.
how to get an apartment with BAD CREDIT 😩🏡🤩
It definitely took me a while to get into the apartment I have now and it took using a lot of these tricks tips as well. But if you had asked me two years ago, where I thought I would be right now, my answer would be renting rooms still. Turns out that all the while I was building myself up to be a
bri.z.living 🪴

bri.z.living 🪴

7039 likes

A hand holds a Capital One Savor One credit card, with a Discover It card visible underneath. The image is titled "Using Credit Cards in College" and highlights both cards as options for students.
A hand holds a pink Discover It credit card. Text lists its benefits: 5% cash back on rotating categories, 1% on others, and a cash back match. It also describes how the card is used for qualifying purchases and larger expenses.
A hand holds a brown Capital One Savor One credit card. Text details its benefits: 3% cash back on groceries, dining, streaming, 8% on entertainment, and a complimentary UberOne membership. It notes its use mainly for groceries and high cash back rewards.
How I Use Credit Cards as a College Student
💳💵💳💵💳💵💳💵💳💵💳💵💳💵💳💵 I regret not getting my first credit card at 18. Now I wouldn’t advise that every 18 year old get a credit card, especially if you are a big spender, but at the very least I would recommend opening a card up and only paying for like Spotify with that card. Cards are obviously
Ken Kelley

Ken Kelley

3877 likes

A visual showing excellent credit scores of 790 for both Transunion and Equifax, with increases of 22 and 4 points respectively. The image is titled 'HOW TO RAISE YOUR CREDIT SCORE! FAST!!!' and is set against a lush green leaf background.
How to Raise your Credit Score!
🍃Keep Old Accounts Open🍃The length of your credit can help you. The longer you’ve have a card open, the better 🍃Try not to keep large balances on credit cards🍃 Any balance under 80% with credit cards is ideal to improving credit score 🍃Pay more on minimum🍃 If the minimum monthly payment is
Mac

Mac

1029 likes

How to be smart with a credit card
Being smart with your credit card can save you a lot of money and can build your credit! 1) always pay your total balance or if you can't at least pay a large portion of it so you don't end up paying more in interest then your monthly minimum payment. 2) if you have nothing to do wi
Glambyroxy

Glambyroxy

1499 likes

How To Get Approved For Any Credit Card
#creditknowledge #credit #credithack #howtogetapproved #creditinsightstrategies
Ceosmithy

Ceosmithy

343 likes

Why You NEED a Beginner Credit Card
Want to build credit but don’t know where to start? 💳 The truth is, most people overcomplicate it. You don’t need a perfect score overnight — you just need the right beginner card to start building history. Here’s why it matters: ✅ Your first card sets the foundation for your entire credit jou
minttalksfinance

minttalksfinance

1215 likes

Paying off $10,000 worth of credit card debt 💖
The easiest way to pay off your debt while still building a savings! Create a budget ! Take the money leftover and pay off your debt one by one. My favorite method to actually get your debt paid off ! Follow for more budgeting tips ✨ #budgetforbeginners - #jaliyahkreationz #payingoff
JaliyahKreation

JaliyahKreation

1312 likes

A Good Credit Score = Access To the Bag 💰

Just Recently I Never knew how important credit is I went from a 477 dropping credit score, to a 700+ This took me about a month . So what did I do? I dove DEEP into Education. Videos + Mentorship’s + More Video Tutorials how to master Credit . I had no one teach me anything about credit. But
Lemon8er

Lemon8er

3658 likes

Struggling with credit card debt? 💳
Try these two proven methods to get back on track! ✨ Snowball Method: Start by paying off your smallest balance first and work towards higher balances. 🔥 Avalanche Method: Attack the highest interest rate debt first and save more money in the long run. Both can work – it just depends on wh
Mari 🦋

Mari 🦋

1051 likes

My Credit Score is 623 - How I’m Managing It
Let’s talk about credit — because mine is currently a 623, and I’m not hiding it. I’ve had an 800+ score before… And I’ve also watched it crash into the 400s in my early 20s from bad money management. Thousands in collections. Missed payments. Ignored notices. Been there. Lived it. Learned fr
Mari 🦋

Mari 🦋

289 likes

How I Ruined My Credit at 19 😭 (and Fixed It)
When I was 19, I got my first credit card with a $525 limit… and I treated it like free money 😭. I was buying little “treats” here and there — coffee, skincare, random Target runs — thinking minimum payments were no big deal. Then the interest hit. Then the late fees. My balance felt impossible
mads 👏🏻

mads 👏🏻

605 likes

How to be SMART using a credit card.
A few easy tips to keep in mind when getting a credit card: 1. Pay off your balance each month. This way you avoid paying interest. 2. Use your credit card for immediate needs, not wants. For instance- phone bill that needs to be paid. Then when you have the money, pay it back right away.
Ashlie

Ashlie

461 likes

How to avoid late credit card payments
Are you ready to see your credit score increase ? Let’s talk about how to use these budget methods to help manage your credit cards and see major improvements in your payday routine💛 Follow these few steps each month and watch you never miss a payment ! #jaliyahkreationz #howtobudget #
JaliyahKreation

JaliyahKreation

264 likes

Hands hold a gold credit card against a sunset background, introducing the article's topics: terminology, interest, how to use it, and starter cards.
A hand holds a stack of money, with text defining credit card terminology: credit limit, APR (Annual Percentage Rate), and credit score.
A hand holds a stack of money, with text explaining how credit card interest compounds daily and how to calculate daily interest from APR.
Everything about your first credit card!
#creditcards #finance #MoneyTips #lemon8bookclub #Lemon8
Abigail Barr

Abigail Barr

163 likes

A desk setup with a computer displaying a heart, a lamp, and office supplies. The text overlay reads: 'How I Cleared $5,500 in Credit Card Debt with This Strategy Swipe !!'
Hands holding cash and a flat lay of a credit card, calculator, alarm clock, and a sticky note saying 'Debt Free'. The text describes 'STEP 1: STOP ADDING TO YOUR DEBT'.
A table detailing various debts including credit cards, car loan, student loan, and mortgage with amounts and interest rates. The text describes 'STEP 2: TACKLE HIGH-INTEREST DEBT'.
How I paid off $5,000 credit card debt!
Here’s how I paid off $5,500 in credit card debt: I stopped adding to my balance, tackled high-interest debt first, and found extra cash wherever I could. It wasn’t easy, but small steps made a big impact. Swipe to see how you can use this strategy to pay off debt faster! 🌟 #lemon8partner #mon
Kevin’s Templates

Kevin’s Templates

291 likes

Important credit card dates
Not knowing this simple hack is stop you from reaching your credit score goal and avoiding interest! I did this budget showing all 3 of my credit cards! The reason your credit score is declining because you didn't follow these steps! Having a system for your credit cards is very important wh
JaliyahKreation

JaliyahKreation

197 likes

How to get a Brilliant Credit Score
Your credit score is a key number in your life! That three-digit number plays a big role in your financial life, influencing everything from renting an apartment to buying a car. While it might seem complicated, improving your credit score is achievable when being Brilliantly Frugal. With consisten
Brilliantly Frugal

Brilliantly Frugal

204 likes

A clean desk setup with a laptop, tablet, and vase, featuring text that encourages calling your credit card company to negotiate your APR.
A desk with a laptop and notes, displaying text on when to ask for a lower credit card APR, including conditions like good payment history and improved credit score.
A tidy desk with a vase of tulips and a closed laptop, showing text with a script for what to say when calling to negotiate a lower credit card interest rate.
How To Negotiate Your Credit Card APR
You’re not stuck with your interest rate. Credit card companies want you to keep using their cards — which means you have leverage. According to Investopedia, it’s totally possible to negotiate your APR. The key? Ask. Be firm. And don’t be afraid to say you’re shopping around. The worst they
Mari 🦋

Mari 🦋

21 likes

How To Cancel A Credit Card (The Right Way)
Canceling a credit card? Here’s what you need to know. It’s not just about cutting up the card — it’s about protecting your credit score in the process. According to Investopedia, here’s the right way to cancel: ✅ Pay off your balance ✅ Redeem rewards ✅ Update autopays ✅ Call your issuer
Mari 🦋

Mari 🦋

94 likes

A credit card guide titled 'HOW TO TIME YOUR CREDIT CARD PERFECTLY' with 'CREDIT Hits & Misses' overlaid. It details steps for maximizing credit scores, including making small purchases, letting balances report, and paying in full. Yellow checkmarks and a 'Swipe' graphic are also overlaid on the guide.
I Was Using My Credit Card WRONG This Whole Time 😭
POV: You finally learn how to use your credit card the RIGHT way 🤭💳 I used to think having a $0 balance all the time was perfect… turns out that wasn’t helping my score at all 😭 Here’s the trick that actually works: ✨ Use your card for a SMALL purchase ($10–$30) ✨ Let the statement close wi
Amyre Nicchole

Amyre Nicchole

18 likes

Struggling with credit card debt? 💳
Hey y’all! Let’s talk about a real-life struggle: credit card debt. If you’re feeling overwhelmed, ChatGPT can actually help you create a plan to tackle it. Here’s how: 1️⃣ Understand Your Debt 👉 Prompt: “Help me organize my credit card debt. I have [$X] on Card A at [X% interest] and [$Y] on C
Nene | Chatterbox GPT ✨

Nene | Chatterbox GPT ✨

429 likes

How to Payoff Credit Card Debt - Part One
Credit card debt can really set you back financially. The high credit card limits and high interest rates make it feel near impossible to see the light at the end of the tunnel, but it’s there. So, it’s time to go through the steps to get out of it! Here’s part one of how to payoff credit card deb
Money with Kait

Money with Kait

301 likes

A hand holds three credit cards against a white tiled background, with the title 'CREDIT CARD DO'S & DONT'S' and a 'SWIPE' arrow indicating more content.
A hand holds credit cards with text overlays listing credit card 'DO's': pick cards wisely, review statements monthly, and pay bills on time and in full.
A hand holds credit cards with text overlays listing more credit card 'DO's': utilize less than 30% of the limit, pick no-fee cards, and only spend what you have.
SMART GIRLIES know these Credit Card Do’s & Dont’s
It’s important to know how to use your credit card. Here is what you should do and what you should not do. Do: -You want to pick cards that fit your lifestyle and give you rewards accordingly. Some cards rewards change quarterly so even when you use the cards, you can strategically maximize you
Kylie 💸🫶🏻

Kylie 💸🫶🏻

426 likes

How to Use a Credit Card Wisely 💸
How to Use a Credit Card Wisely as a College Student 💸 1. Choose the Right Card: Low Interest Rate, $0 Monthly/Annual Fees 2. Set a Credit Limit Based on Your Abilit to Repay the Balance 3. Stick to Your Monthly Budget that Includes Your Credit Card Expenses 4. Always Pay on Time! Avoid Late
Andrea Davis

Andrea Davis

36 likes

A hand holds several credit cards, including an Apple Card, a Mastercard, and a gold card, with the text overlay "Credit Card programs & benefits" and "lemon8 @kailalynnxo".
A Capital One Quicksilver credit card is displayed, highlighting features like a $0 annual fee, unlimited 1.5% cash back, and a $50 bonus, with "lemon8 @kailalynnxo" at the bottom.
A Capital One Savor credit card is shown, detailing a $0 annual fee, 3% cash back on specific categories, 1% on others, and a $50 bonus, with "lemon8 @kailalynnxo" at the bottom.
Credit Card programs & benefits
Students.. there’s credit cards specifically for you. I’ve listed some facts for each credit card for students, these were the top three I thought I’d share. Down below I will tell you how to find the right student credit card for you! 1. Focus on the features: Think about the features you want
Kail 🎀

Kail 🎀

113 likes

The Credit Card Strategy That Changed My Financial Habits 💳🦚
Get my FREE Credit Repair guide at: ScoreRiseCreditSolutions.com One of the MOST valuable things I’ve learned on my credit journey is this: Use your credit card like a DEBIT card. 👀 I stopped looking at credit cards as: ❌ “free money” ❌ emotional spending tools ❌ emergency spending excu
ScoreRiseCreditSolutions

ScoreRiseCreditSolutions

121 likes

Your Credit Card Is Working Against You Twice
And Nobody Told You THE FILE THAT NEVER MADE SENSE TO HER She was doing everything right. Paying her bills. Rotating her balances. Keeping things moving. From the outside it looked like someone who had it together. From where I sat at that underwriting desk it looked like two problems s
Lisa | RealTalk Credit

Lisa | RealTalk Credit

5 likes

✨📈 Credit Score Check-In | How I’m Rebuilding 📊✨
✨ Checking in on my credit this month and keeping it all the way real with you: • Vantage 4.0: 718 • FICO: 687 • TransUnion: 632 • Equifax: 630 ✨ Not too long ago, my score dropped by almost 80 points after opening a loan for a much-needed shower remodel in our home. It was
Margarita

Margarita

31 likes

How to pay down credit card debt 🥂 SAVE THIS
How to pay down credit card 💳 debt (and still buy the house you want): It’s not about being perfect—it’s about being prepared. Be proactive, realistic & have a plan. Use the resources provided to you! I want us to all win 🏆 Here’s the real tea on lowering your credit card utilization and
Keyedwithwhit

Keyedwithwhit

67 likes

How to build up your credit score fast 💳
1. Pay Off High-Interest Loans First 💰 Prioritize paying off loans with high interest rates to reduce the overall cost of debt. 2. Choose Credit Cards Without Annual Fees 🚫 Select credit cards that don’t charge annual fees to avoid extra costs and maximize savings. 3. Know Your Credit Limit
guia 🤍

guia 🤍

264 likes

How to pick your credit card !
Picking and managing the right credit card is so important for building credit and avoiding debt or managing any debt you have ! Before you apply for that credit card ask yourself these questions! Make sure your credit cards fit in your budget ! This full breakdown is on my YouTube channel!
JaliyahKreation

JaliyahKreation

60 likes

Managing credit card debt 🗂️
Let’s be real credit card debt can feel like a never-ending cycle. But here’s the truth: you don’t have to stay in it. Whether your balance is $500 or $5,000+, there’s a way out. The key is having a clear plan, staying consistent, and getting the right support. If you’re ready to stop living paych
Officialbri Financebabe

Officialbri Financebabe

20 likes

A screenshot of text explaining the '15/3 credit card trick,' stating it involves making one payment 15 days and another 3 days before the statement closing date. It includes a CBS News link and a question about the rule's effectiveness.
Credit Card Trick 💳🌟
✨ The 15/3 Credit Card Trick (That Actually Works) ✨ If you’re trying to build good credit FAST, this is one habit you need to know. 💳 What is the 15/3 rule? It means you make two payments every month: • ✅ 1st payment: 15 days before your statement closes • ✅ 2nd payment:
GG_Digitals Nayzha 🤍✨

GG_Digitals Nayzha 🤍✨

14 likes

How I Got a 700+ credit score🍋✨
A 700+ credit score isn’t built by doing a lot. It’s built by doing a few things correctly and avoiding mistakes that quietly hold people back. Most beginners don’t struggle because they’re irresponsible — they struggle because no one ever explains credit in a simple, realistic way. Here’s
minttalksfinance

minttalksfinance

50 likes

Credit Card Companies Don’t Want You To Know This
Most people are told to pay their credit card by the due date... and while that's important, there's another date you should know too. 👇 Your statement closing date is often the balance that's reported to the credit bureaus. If you've already budgeted money for gas, groceries,
Tasha S.

Tasha S.

1 like

What I wish I knew before my first credit card
When I got my first credit card, I had no idea how fast small mistakes could stack up. I was swiping left and right thinking I was building credit — when I was really hurting it. 😭 If you’re just starting out, here’s what I wish I knew sooner: • Every “hard pull” hits your score — stop applying
minttalksfinance

minttalksfinance

101 likes

A pink notebook-themed graphic with office supplies, featuring the title "HOW TO CORRECTLY PAY YOUR CREDIT CARDS AND BOOST YOUR CREDIT SCORE" in a red outlined box.
A pink lined notebook page displaying handwritten steps 1, 2, and 3 for correctly paying credit cards, focusing on ignoring the due date and finding the statement date to manage utilization.
A pink lined notebook page displaying handwritten steps 4 and 5 for correctly paying credit cards, detailing how to pay off the balance after the statement closes to avoid interest and maximize FICO score.
How to CORRECTLY pay your credit cards
Step by step guide on how to CORRECTLY pay your credit cards 💳& boost your credit score. #creditcleanup #credithealth #creditrestoration #creditfreedom #credit #creditcards #creditscore
Queentrepreneur Academy ✪

Queentrepreneur Academy ✪

4063 likes

How to save money and get a good credit score
1. Rule 50/30/20 (flexible) • 50% needs (rent, food, transportation) • 30% tastes (ouits, shopping) 2. Avoid "ant" expenses Daily coffee, apps, subscriptions that you don't use. 💡 Review your charges once a month and eliminate unnecessary. 3. Save with purpose It&#3
geraal_11❤️‍🔥

geraal_11❤️‍🔥

267 likes

See more