Thank God I got my very first Eon Visa Debit Card! :) Thanks UNIONBANK.

Maybe you're wondering why I prefer to use debit card instead of a credit card. Hmm. The answer is... I'm not just into the idea of borrowing money I haven't earned yet. :)

Yes, I am very much glad to have conscientious circles of friends who, I should say, have a sensible spending habits, even if they have credit cards. BUT, I've also heard of friends of friends' terrible stories on credit card bills running on the roof making them run on treadmill of debts.