A credit card, just like any other form of debt, has often been vilified as a money sucker. But used wisely and responsibly, it can prove highly beneficial, especially for fresh college graduates who are on their adulting journey. Like it or not, credit cards are one of those things we can't quite live without especially in this era of digital payment ecosystem. In fact, Filipinos today own an average of 2.3 credit cards, with 11.3 million cards-in-force as of end-2022, according to the Bangko Sentral ng Pilipinas.

https://business.inquirer.net/397229/credit-cards-essential-for-adulting

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