[kronas]

simple the money you dont have you dont spend, i intend to keep away from credit cards forever, at the moment this is the case, if banks try to push you services such as credit cards you simply say 'no put your foot down and tell them.

the temptation of a credit card is too strong for some, the majorty of the blame lies with the consumer for over spending, then the banks for upping credit limits and sending gold cards out, sometimes without the request of the customer.

if you have one and spend, you should not moan and cry help for bills you caused it yourself, the harsh reality is, 'you reep what you sow'