As we march head long into the new millennium it would seem that a Credit Card is an essential accessory of modern life.
There are not many places on our planet where you can’t use the ‘fantastic plastic’ for purchases large and small. In this phenomenon (the vastness of the credit card network) lies the ambush of the credit epidemic.
Unfortunately for some of us we are unable to control the use of our credit cards and we fall into the downward spiral of ever deepening debt. The fact that financial institutions freely issue credit cards to those whom they almost certainly realize do not have the capacity to control their spending or the means to repay the limits of their credit is irresponsible on their part.
Of course on the other hand there are millions of responsible users of credit. For many people a credit card is a means by which they can deal with their current situation, thereby allowing them to take control of their finances. By this means then, they can successfully manage to climb out of the slippery hole of debt and maintain control of their spending.
The responsible use of credit cards involves us being in control...
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