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Use and Abuse of Credit The use of credit cards is much more dangerous than use of checks or cash Paying with cash is very easy for knowing how much money is available and how much can be spent makes it very hard to get into debt When paying with a check the process is a bit trickier the exact balance has to be kept on the account at all time Knowing what this balance is and continuously replenishing it can be quite hard Nevertheless even with a check consumers cannot get into a lot of trouble If more money is spent then the shopper has on the current account the last written check will be rejected and account will be suspended until the balance is paid off With credit cards however every year more and more people get into debt Credit cards It is nearly impossible to function in todays society without one From making airline car or hotel reservations to making purchases on the Internet it has become essential for everyday living And credit card companies are trying to make it easier to get one Competition for credit card customers has become extremely intense Companies are looking for whatever customers they can get wherever they can get them Frequently this brings credit card marketers to campus where each year there is a guaranteed new crop of potential customers By signing up more customers earlier the card companies hope to establish a type of brand loyalty that will carry far into the future In the next few months students everywhere will be offered free T-shirts water bottles long distance pizza discounts Frisbees backpacks hats pens--you name it--all in the name of marketing credit cards However many students receive credit cards with no idea of the impact that misuse can have on their future However if you have a 1000 balance on a credit card with 18 percent interest and you merely pay the minimum
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