[CIB-173RDABN]

What’s wrong with making that impossible?

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Simple, because it removes any incentive on the loaning party to do proper care before making loan.

One of the problems we have in this nation today is it is too easy to borrow money.

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I am old enough to have lived in a time when credit was almost unheard of. Perhaps a car loan, perhaps a mortgage, but everything else was cash or lay away.

I was shocked the first time I saw someone using a credit card buying food. If you are buying necessities on credit you are on a downward spiral.

[expat2]

If you NEED to use a credit card to buy food, there is a problem (tho’ food should have higher priority for CC use than new clothes or Nike shoes, I think). However, many of us use the credit card to buy food because it is simpler, and pay off our CC accounts in full every month.

[Osage Orange]

I buy almost everything...with a credit card.

The thing is....I pay it off every month. So, I get to use their money..for a few days. And I actually get some discounts when I use my cards.

If you know how to use credit cards..they are a good tool.

[Graybeard58]

I was shocked the first time I saw someone using a credit card buying food.

I was too, until I learned about "points", now I pay for everything I can by credit card.

I bought a new car about a year ago and tried to get the dealer to let me pay with a credit card, he wouldn't go for it though. The $20,000 balance, after trade in, I wanted to pay by card would have cost him 3%, ($600).

I haven't paid credit card interest in many years.

When you don't pay for things by card, you are indirectly subsidizing those who do.