I was tempted to start the response with "When used wisely" then realized that it would be a huge assumption to make. The article was not trying to state that

I was tempted to start the response with "When used wisely" then realized that it would be a huge assumption to make. The article was not trying to state that credit cards are a good thing. The message that I wanted to get across was that a huge growth in credit spending is inevitable given what is happening in India right now, in terms of enabling factors. And that will have global implications.