Credit cards are exploiting people now that we are relying on them for even mortgage payments. Things are bad when we use them to pay our mortgage and the last thing we need is unexpected interest rates. Is anyone happy with their credit card compan? If so please tell me who it is. The run up to Christmas is a daunting prospect but it’s not worth getting further into debt. I advise you to make apologies to family and keep your head above water. Or am I alone in this?

Basically, there are two ways to use your credit card; responsibly or irresponsibly. If used responsibly, your credit card will be the best short-term loan you can find. But if you use it irresponsibly, it will turn into the worst high-interest loan you have ever seen. That being said, the latter is what your credit card company prefers because they generate revenue off of your irresponsibility. However, if you were to use your credit card responsibly, you would be using their money for free. The choice seems like a simple one, but you’d be surprised.