The Importance of Having a Credit Card

No, I didn't really buy. The only time I think I took credit in my life was to write, you know, I thought I'm going to do GMAT. And also, it was early 2000s and I took a credit card and I had to pay for my GMAT fees because I didn't know anyone what a credit card. There was some 20,000 rupees or something. So, yeah, so I use my credit card to pay it, took me five years to pay it back. Is it because no postponing the UMI? Sorry. You should have the freedom to wind down any loan at any point of time.