Do you have a credit card? I don't. Well, I used to but I couldn't stop myself from shopping that I was forced to cut my line. The problem with credit cards is that people think it's a free pass to be able to get whatever you want and just worry about it later. If you're not cautious with your spending habits, you will most likely be in debt. However, there are times when having no credit card limits you. You need one to be able to buy online purchases, make reservations at hotels and to pay for apps like Spotify, iTunes and iFlix. So how's that? My answer for you is PayMaya! PayMaya is a virtual card that allows you to do everything that a credit does but it's even better because with this app, you can view your balance, send money and many more. All you have to do is install the application from your App Store and load your account with money by going to any convenice store. I tried it out for myself when I shopped online at Zalora. I purchased a bag, a jacket and other accessories. Upon check out, I just typed in my PayMaya account number and it directly deducted the amount from my account. It's so convenient! 

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