[dallasrpi]

Well if you know that you won't pay your balance on time or that you would spend more money then its not the thing for you. Frankly credit cards for me are also a nice convenience. They save me the time of going to the ATM, paying for my purchases and tracking what I'm spending my money on. It also eliminates all that loose change I always lose or accumulate in a big jar. For my start-up business it makes giving my accountant my expenses a much easier task as well.