In those days, two workers of a bank went to our office and advise us to transact its credit card which can get discount when using it in the shopping mall. Nowadays, credit card seems to be necessary part of most people. One of my colleagues said that she has 4 credit cards of different banks.

This may be the display of over consuming. We have to admit that overconsumption is now very popular. For ladies, they love luxuries very much and credit card can help them to buy what they want, like designer handbags, perfumes, Christian louboutin shoes, etc. I am not very fond of overconsumption; however, I still transact me a credit card because I think it can help me when I am in need of money. Actually, I am thinking of buying something I love with credit card, Such as my beloved handbags before I receive my salary. Credit card, to some extent, improved the consumption of citizens, however, from an irrational way, in my mind. Last month, I used my credit card and bought a pair of Christian louboutin shoes, I was so happy at that time. However, I have to pay my bill this month and more than half of my salary is gone. It is not as excited as that time I bought them. I want to buy a designer handbag this month to match my clothes. But I cannot afford one. I have to shop online to find something cheaper. I love Chanel very much. And I do find Chanel handbag cheap online. I judged the situation now and decide to this cheap Chanel handbag.

Now I am thinking of buying designer things with credit card, I think that is quite irrational. Although we can buy what we want at that time, but the money we spend doesn’t belong to us that time. We have to pay more to afford what we want if there is not enough money to repay to banks. I reckon that to but Chanel cheap handbag might be a good choice.