I agree that credit cards can be used 
iresponsibly, definitely.

BUT, I must say that, when used corectly, they ae 
intensely useful. I keep very close track of my 
funds, what I'm making and what I'm going to 
make. If I find something I can't afford now,b ut 
know I can afford in three weeks, credit cards 
are a godsend, allowing me to nab that cel efore 
anyone else.

You just have to lear to use a credit card 
responsibly...otherwise, you can dig yourself 
into a hole ^^;;

-Misha