> Problems arise when you spend money you don't have Not everyone has that much discipline. Do you think credit card companies give free cash for no reason? I

> Problems arise when you spend money you don't have Not everyone has that much discipline. Do you think credit card companies give free cash for no reason? It's like when every smokers tells themselves: "the problem is when you smoke regularly, I only smoke when drinking" or something like that. It's addictive! Can you be disciplined if there is an emergency of some sort? Most can't. Let me avoid being dramatic: let's say you get a flat tire and have to be at work the in a few hours, will you stop by a name brand place and put new tires on the credir cars or find a low end no name hole in a wall that charges $30 for used tire because you only have $50? Most will keep their $50 and put it on the card. One becomes two becomes a thousand. > Just treat your credit card like a debit card and have a budget. Paying with cash and especially your debit card is just a poor move. There are doctors and lawyers living paycheck to paycheck but not because they don't know how to budget. I know in the short term debit cards are worse bur my allergy to paying interest of any kind has protected me too much! And the millions that ruin their lives because of credit card also knew budgeting exists. Don't play with fire, run with scissors or pay with credit cards!