"You hit me once, i will hit you ten times back" - sounds familiar :bsmilie:
Last time when I know that I'll be cane the next day in school, I will wear five underwears under my pant.
I applied cc because it has 0% installment for my post degree course. I do have the hard cash but rather keep it aside just in case. That cc will be kpt some safe place from me using it for some other things.
Like some of you says if you can clear your 'debt' with the cash you have at hand...