[amelius]

The problem as I see it is that you pay your credit card bill only once a month which gives you no bearing on your effective balance. This is mostly a problem for lower and middle income people who live from paycheck to paycheck.

[watwut]

Middle and higher income people dont need debt on monthly basis and see not having that debt as personal virtue.

It just makes no sense to not pay things right away.

[amelius]

Well in some cases paying with a credit card is the only option.