Credit is not a financial tool, if you ask most “informed Americans” they will tell you get a credit card use it wisely, put your gas on, and pay it off every month. This is great advice, except the fact that over 60 percent of Americans that actually have credit cards do not pay them off monthly. Statistically speaking you will miss a payment or not pay your card off in full at some point, and that is why a bank is willing to lend this money to you... displayed 300 characters
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Statistically speaking you will miss a payment or not pay your card off in full at some point, and that is why a bank is willing to lend this money to you. Credit cards are great financial tools for private banks, not individuals. The average adult that is over 18 years old has over eight thousand dollars on some combination of credit cards... displayed next 300 characters
How do you feel about credit cards? With teenagers, I feel that they should not sign up for a credit card or have a permanent one in their possession. It is fine if their parents give it to them for a day, if they are going out to the mall with a couple friends...
You may earn higher cash back percentages or better rewards on purchases made on gasoline and car maintenance, but a credit card with gas rewards may be more convenient if you are someone who likes to keep just a single credit card in their wallet- rather than several cards each aimed towards specific types of purchases...
In the year 2004 credit card debt was 185 billion dollars, an increase in 160 billion dollars in just five years.
Imagine a future where companies are advertising a newer, better, version of something every couple of months and people keep going out and buying the product because advertising companies make them believe they need it to be cool and popular...
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