One thing that you need to understand about the world we live in is that, it runs on debt. We live in a debt fuelled society. From the countries borrowing and owing money to central banks and presidents who put their countries in debit with other countries. Which then fuels down to local banks with credit cards, loans and even store cards. We have been immersed into the life of buy now pay later and we are trained to think that it is ok! We are not afraid anymore of not having money anymore. We can buy all we want now and pay it back later despite the fact that we can actually be paying more than the initial price. However, some people still fear credit cards as though it's the pikin of the devil! Lol Surely there must be a way around this system right? Can we actually use this debt thing to actually work in our favour? There's always a loophole somewhere, can credit cards actually work in our favour? Yes, they can as long as you use it wisely. What do I mean by