One of the things that is growing into a problem is an excess of credit cards. It’s gotten to the point where some people look at you funny if you get out actual cash instead of whipping out the plastic.

The problem with them is that they’re overused in the extreme and with emails and tv ads pushing 0% credit cards and 0% balance transfers to encourage you to get the new card on the block and transfer your balance from the old one. OF Course they’ll make it easy to transfer a balance! They want you to carry a balance because they make so much extra money from the interest charges that way.

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