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The Bank of America invented today’s credit card as we know it near the end of the baby boom. The credit card industry has shown explosive growth ever since.
Credit cards provide an easy way to buy things on the basis of a short-term interest free loan – but only if you are organised and responsible enough to pay your bill completely every month.
If you end up leaving such a high interest balance outstanding on your card and carry it over from month to month, you will find that your credit card is encouraging you to live beyond your means. It is very easy to go shopping with plastic – money which to be honest you just don’t have!
If you are one of those people who manages to create a mountain a
of debt so easily with credit cards, there’s only one solution – cut that plastic up! You will have to learn to get on without them!
