KEEPING IN VIEW THE USAGE OF CREDIT CARD IS A MUST.FOR SOME USERS IT HAS BECOME A STATUS SYMBOL,ESPECIALLY FOR THOSE WHO DOES NOT KNOW ABC AS TO WHAT CREDIT CARD MEANS.WITHOUT GIVING A SECOND THOUGHT,THEY START USING AND WHEN THE STATEMENT COMES,SOME OF THEM ARE BAFFELED AND THINK OF NOT PAYING.THIS CAUSES BANKS TO LEVY TAXES AND INTEREST AND IT GOES ON FOR A MONTH OR SO FINALLY BANK IS LIABLE TO TAKE ACTION.FOR SOME,THEY SIMPLY CHANGE THEIR PLACE OF STAY AND BANK CANNOT DO ANYTHING.CREDIT CARD IS AN EMERGENCY CASH SYSTEM BORROWED FROM BANK AND PAY PROMPTLY AS SOON AS STATEMENT IS RECEIVED.BY THIS GOOD RELATIONSHIP IS MAINTAINED BETWEEN BANK AND CUSTOMER. KEEP THIS IN MIND AND USE IT DELIGENTELY. SHAHID NEW DELHI