LogFAQs > #970771041

The biggest problem with credit cards are, for people that aren't well off, its VERY hard to resist overcharging. If you have to pick between not paying an essential bill, not having food, etc or letting 'money you have access to' (even if its not actually) sit there unused, it's not much of a choice.

Yes, when used optimally, they're great. A lot of people don't have that choice, to say nothing about the people that have mental illnesses, addictions, or just don't have the personality type to manage their funds correctly.

And it's kind of messed up we force all of those people to have to deal with that or get handicapped even further.