Image by liewcf via Flickr It was almost a year now since I first used my credit card . Although I already received it months before, I only used it several months later. The main reason behind my reluctance is a mix of skepticism and fear that I may misuse the card and mismanage my debts. Anyway, almost one year after my first use, I have learned many things from it. I have learned some of the GOOD and some of the BAD sides of it. I wrote this article especially for those who are not using credit cards, for those who are planning to use credit cards, and for those who have just started using credit cards . Here are some of the things I have learned. 1. Credit Card is a great convenience! Yeah, probably one of the greatest advantages of having a credit card is the convenience it may give you. You don't need to bring cash all the time when you do shopping, all you need is your card. Also, credit cards are good for emergency cases. There are situations when you badly nee...