I totally agree Livingalmostlarge. I've never understood the mindset. Nobody has a gun to your head making you buy things on credit. I use credit cards, but I pay them off each month - they are a great tool when used properly. If I don't have the self-discipline to know how much I can handle, how is that anyone else's fault? My credit cards haven't cost me one penny (and I get cash back every year).
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