Credit cards can be a convenience or they can be your financial undoing.

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It is true that credit cards are convenient, reduce your need to carry cash and as well allow you to purchase bargains on the spot, and save money, that you might not have been able to do otherwise.

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#A Credit card can cause you great financial and personal hardship

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Credit cards can breed mountains of debt for the unwary. It is not only that we live in a society and time of �immediate pleasure�. The refrain may be �Why wait for spring? Why deny yourself. Get it now�.

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Youur grandfather may have told you repeatedly not to buy anything until you have saved the money. Best to wait. Never go into debt.

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Never buy anything until you can afford i