The third priority, using a credit card can to settle cost the utilities. For example, electricity cost, water supply cost, and the phone cost the easily quickly and these costs are unavoidable have to be paid every month. The credit card spending is one way which is great helping us save time in travel. But if we use the cash, we need to spend time traveling to many places in order to pay utility bills. I think it is not necessary because that it use very time consuming and tedious for me. I therefore do not like to carry cash.