Majority* of people I know that use credits cards and pay minimum required amount are not dumb people. If anything they do not have a choice. Living from payday

Majority* of people I know that use credits cards and pay minimum required amount are not dumb people. If anything they do not have a choice. Living from payday to payday will do that to you. Unexpected event? Time to pull out that credit card. It sounds so easy to just bunker down and break the cycle, but then whammy unexpected event. * I might be biased in terms of people I know.