Originally Posted by USMCFLYR

Credit cards are not even the problem if paid off and/or used with a modicum of financial responsibility. A person/family may even have an *emergency* where they have to be able to spend an amount for some home/car repair for example that they may not be able to pay off right away. But using the 15-20% interest rate credit card to buy that new 70" LED that you just can't live without is usually a bad choice if you are struggling financially in my opinion.