OK, now picture this in your mind. Youre driving through a seedier section of the city and look over on the street corner and observe a person standing there trying to blend into the background. Soon a car pulls up to him and he approaches the window of the occupant. The questionable character reaches in and presents the drive with an unknown item. I know, youre thinking this shady clown is a drug dealer. Are you sure hes not your local banker?
I think you may have to consider a few things here. The local drug dealer stands on the street corner and sells drugs and he makes more money than most of us do. The banker sits behind a desk and presents you with an unsecured line of credit that is represented by a piece of plastic that will fit in your wallet and charge you not only up to 24% interest but service charges and annual fees. Just think, you run up that plastic nose candy to the point where you cant pay it off every month, He Owns You. Oh sure, it sounded great in the beginning. Zero Interest, No Annual Fees, No Service Charges, but now the honeymoon is over.
I remember when I got my first credit card, The first thing I did was to go out and buy something...
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