Credit card issuers aren't necessarily "evil". But they undoubtedly take full advantage of consumers shortcomings when it comes to overspending and debt management. Lack of discipline and financial irresponsibility are the true problems with credit cards. Pay off your card balances each and every month and never, ever, ever make a late payment. Following those 2 rules will keep you out of trouble and let you take advantage of the benefits that credit cards can offer. cembry~ CreditCardAssist.com | Web's Leading Credit Card Resource Site