Credit cards are inherently evil. Those who gives advises on personal budgeting and financing believe so. There are certainly a lot of convincing arguments against credit cards. Monthly interest rates on credits are just to name a few. If you buy items using your credit card you will eventually pay more than this item costs. Another issue is careless spending. Credit cards give a real sense of buying power to card holders who hastily believe that they may afford themselves a lot. As a result they buy many things that could be dispensed with and shall be eventually repaid. After all, they are dragged into debt for a long time. Self-delusion and permissiveness deaden the feelings of reality. Disillusion comes when you receive the bill for paying off the balance on your credit card. And there is no way back.

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