[Havoc]

OMG a financial topic!

I'm sure most members of the USA have at least one credit card at their disposal, but have you ever stopped and thought about how you use it? Do you stay within the boundaries of your monthly income or do you regularly go over that limit and work yourself into a debt?

I never liked the concept of a credit card much. The idea of being able to spend money that you don't actually have is not only weird, it can land people in all kinds of trouble as demonstrated by many people in the past. I do have a credit card, but I only use it for over seas purchases and stuff that doesn't accept Pay Pal. For daily things like groceries I use a debit card, which is the default 'plastic' here in Holland and (I think) most of Europe.