Hmm. Good point. Gotta think on this one. Financially, sometimes I think I'm still 30.

As far as I ever see credit cards are either a way to exploit people desperate enough to put life expenses on a credit card even if they can't afford it or a way to facilitate conspicuous consumption.

Nice big words there Mr. Smarty Pants.

Tha nks, dud e.

I shop Amazon a lot. I have an Amazon CC which makes it easy.

Agree though. Walk through any college and every bulletin board will have CC offers. Kids aren't even making money yet and the vultures want to reel them in. It's an epidemic. That's why we need banking regulations.

Unfortunately the politician's won't allow it cause..

$$$$$$$$$$$$$$$$$$

I'd be curious to find out what percentage of credit card company money comes from responsible, financially stable people who don't get caught up in a spiral of debt and how much comes from the people who get screwed.

And when they do allow it, it's incoherent and ends up ****ing over the consumer because they let their lobbyist buddies have a swipe at it first.

10% - responsible
90% - irresponsible

Handing an in debt person free money is like handing a junkie a free hit.

Been there, done that.

Fortunately as you get older, and hopefully clean up your act, the interest rates on CC's come way down. Those college offers are going to be well over 20%. I'm paying about 5% on both of my cards.

It's basically a loan shark scheme. Instead of getting your legs broken if you don't pay on time, your ability to buy a home, rent a place, get a car, etc. gets its ass broken.

Where's Elliot Ness when you need him.

Why is it the company's fault if youre irresponsible with money?

Poorly disclosed terms?