[mysterio]

You’re irresponsible and shouldn’t have a CC.

A CC isn’t for the purpose of borrowing, it’s a convienence card.

That's pretty funny.

So, in your opinion, everyone trapped in credit card debt is trapped because they just wanted something extravagant that they couldn't afford and just whipped out the credit card?

What about people who are in some kind of emergency, lose their jobs through no fault of their own, have to take another one quickly for a massive pay cut, and still have to pay for essentials? Should those people just not have made the purchases?

[dalereed]

“What about people who are in some kind of emergency,”

They should have savings to pay for those emergancies.

I have no sympathy for anyone that puts themselves in debt.

[AppyPappy]

Those same “emergency borrowers” always seem to have a cell phone and a big TV.