You’re making too much sense. Some here think everyone is wealthy and can pay cash for everything.
While I no longer have credit cards myself, some here REALLY don’t know how tight many familys operate at, and the doubling of payments along with the increased costs in food and energy bodyslammed many familys.
Interst rates went up to 33% when they made a late payment and now they are buried.
There is actually cause and effect here. When credit card slips become money, as they did, then the cost of everyting goes up (it's called inflation, which is as much the result of credit expansion as it is the printing of Ben Franklins by the FR). So, the only way to support a family, buy food, gas, etc. is to pay the market price, which is established not by current earnings, but by current earnings PLUS credit.
That is why Greenspan stopped printing M3. It made it too obvious what the FR was doing to keep the whole business aloft.
If you can't pay cash for something, you shouldn't be financing it with a credit card unless you know you'll be able to pay it off right away.
There are other, much better ways to finance long term purchases that you don't have the cash for up frong. Credit cards should NEVER be used as a source of long-run financing.