The biggest problem with the cc is the availability of it and the ease with which something can be purchased,even if you really don't want/need it.It's called impules buying.


Even if paying the card off every month,you may havepurchased $200 worth of crap that otherwise,you would NOT have purchased.


Then all those nasty little loop holes in your so called contracts with them,you will pay extra at some point,either in penalties or interest if you use a card much at all.