Credit cards are not evil. The problem lies in people who have no self control. People need to learn to live within their means. Banks are also guilty of giving credit cards to people who are not credit worthy.

Credit cards are not evil. There are just some people who do not know who to control themselves when they want to get or buy something whether they really need it or just an itch to have one. They should learn to live within their means and be satisfied with what they have. Credit cards when used wisely can make life easier especially when one doesn't have cash. But it should be remembered also that all credits should be paid on time to avoid penalties and charges.

when u have credit cards u use it again and again and in the end your deal is very big generally if u have u must control it when u have money u know that they finish so u do economy the \credit card has no limit so better to watchout how u use it

What is evil in the first place???? If money is the root of all evil, i may say credit card maybe one of it....but why we tend to use credit cards?????because we are tempting to do so. credit cards help people payout some expenses but we as consumers must know bad and good effect after we use it. do we understand how much interest the credit card companies will charge us????and for the penalty plus the finance charges????for late payments??? do we read the terms and conditions before signifying your signature upon receiving your credit cards???? marketing strategies of these credit card companies are so deceiving....some may call you that you we're automatically approved just sign the paper they have faxed or they will fax to you, will get your complete name and address plus your celfone number and landline as well. then while talking to you, they will say that you were the lucky one that credit card company had approved your application....??????had you ever asked them back how come that you have application when you never gotten any form????we must be an investigative in any form but be very careful in giving your information. banks said they do not divulge any information you provided them, but according to agents it is in their database, what a heck, right???? all personal information must be confidential but what are they doin'?????isn't it deceiving to ordinary people like us???? so evil in this form....

but if we use credit cards in proper way, it is good. imagine, you can purchase expensive things that you can't pay in the form of cash via installment basis and you have the option to choose how many months to settle it???people who has credit cards must be a wise user. why do you need credit cards when you can pay in cash???? did you think or even compute sometimes how much you loose in the penalty, interest plus finance charges of the credit cards???? or do you know how to compute????and did you even think that the time going to bank to pay your credit card isn't it time consuming, too??? why not withdraw money from your bank or any atms and bring it to shopping malls and be proud to pay them in cash???? we can't even blame credit card companies but blame ourselves being an impulsive buyer using credit cards....

Credit card is not evil, only the spenders/users of it who didn?t control the usage and don?t understand the terms they signed up. Be careful and be wise in using your credit cards, it might bury you into hell?

hehe, credit ars... i hate them i don't have one, and i hope never need one
the problem is the interests; everytime you buy something with it and make the debt larger, the interest will be higher, if you don't wanna headaches just:

1. ebery time you pay the share, don't spen all your quota, 'cuz you'll buy more thing so you'll have more debts
2. try to pay all in cash, when u go tu supermarket or buy gasoline, do not use credit cards!
3. try to pay on time so you won't have to pay more interest for paying late
4. if you got more than 1 credit cars, keep some of them for a while, so u won't have the temptation to use them

now finally think before buy! " do i really need to buy this or do i WANT to buy this"

They can be both evil and good friend...depends on how you use them. If you use them wisely than can be good friend. Credit cards can get you into financial trouble. But let's be honest. if there are problems, blame only yourself

Think:
A Knife can be used to cut apples and that very knife can be used to kill or hurt anyone....its not the tool that that takes the decision....the user does. same analogy applies here in case of credit cards..

Sure young ppl make mistakes..thats how ppl mature with age...u may stumble once or twice...but discipline urself and im sure ull be proud of urself

creditcards are only stuff or thing made by people to have simpler ways of loaning???this is just a thing mainly made easy for us to use???the question is>>>>is the user of the creditcard abusive of the loans or he/she is evil???