credit cards

A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user' s account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user). It is also different from a charge card (though this name is sometimes used by the public to describe credit cards), which requires the balance to be paid in full each month. In contrast, a credit card allows the consumer to 'revolve' their balance, at the cost of having interest charged. Most credit cards are the same shape and size, as specified by the ISO 7810 standard.

It's easier to use the money you got right now than wait.

I'm always in debt with my credit cards lol so it doesn't really bother me I will get them paid off one day, but its not the top of my list of things to get done. They're manageable and thats what matters :) I do pay off quite a bit at times...and then spend it again lol

they just get busy in Xmas and newyear time in parties and various other functions and forget to pay the bills

I am guilty of this but I will try my best to stop this trend this coming holidays.

That's why we dont have credit cards, never have had them, never will.

I am a good girl. I don't have any credit cards or a checking account. Its cash or nothing. Its safer that way.lol. I do have a debit card but it won't let me spend more than I have. But I'll admit I will spend more than I should just so my grandkids will be happy. I love to buy people gifts.