The term "patience is a virtue" is very applicable in using credit cards. What i mean is that before buying anything using a credit card, it pays to always take note of your cut-off date. For example, you want to purchase something on August 11 but your cut-off date is August 13, it would be best to hold the purchase for three more days because it would mean longer time before you will be charged for the item bought.
This is because your purchases before the cut-off period would be reflected on the next billing period. However, those bought after the cut off date would appear on the second billing period. It is like having an interest-free loan for 2 months.
I totally agree with you:) Ako din, I usually use my CC every after my cut-off date:)
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