Thanks for your feedback gogoogo, credit card usage tends to impact lower to middle income savers and is not as much of an issues for upper middle and upper classes. I worked for the credit card industry when I was starting my career and at the highest levels theses companies are predatory but this would need to be covered in another post. My main point is that credit cards increase risk and the month you cant make your full payment because your car broke down or you lost your job you will wish you had just avoided them.