TomorrowMoney
Phil Usher is a proud Wiradjuri man from Central NSW. Phil is the CEO of the First Nations Foundation, which publishes this website.
It may seem like everywhere you go people are using credit cards to pay for things.
While credit cards can be handy for some people, they are not for everyone.
As First Nations Foundation CEO Phil Usher explains, whether you should have a credit card depends on your personality and how disciplined you are.
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