Because at least if it goes wrong, the money being used isn't actually your money until you pay the CC bill. That $2500 is still sat in your account. Spiral of

Because at least if it goes wrong, the money being used isn't actually your money until you pay the CC bill. That $2500 is still sat in your account. Spiral of debt is only a risk if you have no discipline. For those of us that do have discipline, CC's are great.